# EDGAR Filing Document

**Accession Number:** 0002108181
**File Stem:** 0001213900-26-031857
**Filing Date:** 2026-3
**Character Count:** 8806150
**Document Hash:** 6d3cc20cf89edb147a3c9fcf12fd70f9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-031857.hdr.sgml**: 20260319

**ACCESSION NUMBER**: 0001213900-26-031857

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

**PUBLIC DOCUMENT COUNT**: 84

**CONFORMED PERIOD OF REPORT**: 20260318

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

**FILED AS OF DATE**: 20260319

**DATE AS OF CHANGE**: 20260319

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2026-RCF2, LLC
- **CENTRAL INDEX KEY:** 0002108181

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08409
- **FILM NUMBER:** 26774529

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2026-RCF2, LLC
- **CENTRAL INDEX KEY:** 0002108181

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

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

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2026-RCF2, LLC
- **CENTRAL INDEX KEY:** 0002108181

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

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

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

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

OMB Number: 3235-0675

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

**FORM ABS-15G**

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

**<u>PRP DEPOSITOR 2026-RCF2, LLC</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: <u>0002108181</u>

PRPM 2026-RCF2, LLC

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

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

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

Jim Barrons, (602) 802-8305

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

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

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

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

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | PRP DEPOSITOR 2026-RCF2, LLC | PRP DEPOSITOR 2026-RCF2, LLC |
| Date: March 18, 2026 | By: | /s/ Jeff Padden |
|  | Name: | Jeff Padden |
|  | Title: | General Counsel |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – AMC Diligence, LLC Narrative](ea028229201_ex99-1.htm)

[Schedule 1 – Data Compare Report](ea028229201_ex99-1sch1.htm)

[Schedule 2 – Exception Grades Report](ea028229201_ex99-1sch2.htm)

[Schedule 3 – Rating Agency Grades Report](ea028229201_ex99-1sch3.htm)

[Schedule 4 – Valuation Summary](ea028229201_ex99-1sch4.htm)

[99.2 - Third Party Due Diligence Report - Consolidated Analytics, Inc. Narrative](ea028229201_ex99-2.htm)

[Schedule 1 – Data Compare Report](ea028229201_ex99-2sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea028229201_ex99-2sch2.htm)

[Schedule 3 – RA Grades Summary Report](ea028229201_ex99-2sch3.htm)

[Schedule 4 – Valuations Summary Report](ea028229201_ex99-2sch4.htm)

[99.3 - Third Party Due Diligence Report – Canopy Financial Technology Partners LLC Diligence Narrative](ea028229201_ex99-3.htm)

[Schedule 1 – ATR QM Report](ea028229201_ex99-3sch1.htm)

[Schedule 2 – Data Compare Report](ea028229201_ex99-3sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea028229201_ex99-3sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea028229201_ex99-3sch4.htm)

[Schedule 5 – Valuation Report](ea028229201_ex99-3sch5.htm)

[99.4 - Third Party Due Diligence Report – Clarifii LLC Narrative](ea028229201_ex99-4.htm)

[Schedule 1 – ATR QM Report](ea028229201_ex99-4sch1.htm)

[Schedule 2 – Data Compare Report](ea028229201_ex99-4sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea028229201_ex99-4sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea028229201_ex99-4sch4.htm)

[Schedule 5 – Valuation Report](ea028229201_ex99-4sch5.htm)

[99.5 - Third Party Due Diligence Report – Clayton Services LLC Narrative](ea028229201_ex99-5.htm)

[Schedule 1 – Conditions Detail Report](ea028229201_ex99-5sch1.htm)

[Schedule 2 – Data Compare Report](ea028229201_ex99-5sch2.htm)

[Schedule 3 – Loan Grades Report](ea028229201_ex99-5sch3.htm)

[Schedule 4 – Non ATR QM Upload Report](ea028229201_ex99-5sch4.htm)

[Schedule 5 – RA ATR QM Report](ea028229201_ex99-5sch5.htm)

[Schedule 6 – Standard Upload Report](ea028229201_ex99-5sch6.htm)

[Schedule 7 – Valuations Summary Report](ea028229201_ex99-5sch7.htm)

[99.6 - Third Party Due Diligence Report – Incenter Lender Services LLC Narrative](ea028229201_ex99-6.htm)

[Schedule 1 – Exception Report](ea028229201_ex99-6sch1.htm)

[Schedule 2 – Final Tape Compare Report](ea028229201_ex99-6sch2.htm)

[Schedule 3 – Loan Level Exceptions Report](ea028229201_ex99-6sch3.htm)

[Schedule 4 – QM ATR Report](ea028229201_ex99-6sch4.htm)

[Schedule 5 – RA Grades Report](ea028229201_ex99-6sch5.htm)

[Schedule 6 – Valuation Summary Report](ea028229201_ex99-6sch6.htm)

[99.7 - Third Party Due Diligence Report – Infinity IPS, Inc. Narrative](ea028229201_ex99-7.htm)

[Schedule 1 – Data Compare Report](ea028229201_ex99-7sch1.htm)

[Schedule 2 – Delinquent Tax, HOA and Muni Lien Report](ea028229201_ex99-7sch2.htm)

[Schedule 3 – Disposition and Comments Report](ea028229201_ex99-7sch3.htm)

[Schedule 4 – Finding Details Report](ea028229201_ex99-7sch4.htm)

[Schedule 5 – Payment History Report](ea028229201_ex99-7sch5.htm)

[Schedule 6 – RA Grades Report](ea028229201_ex99-7sch6.htm)

[99.8 - Third Party Due Diligence Report – Opus Capital Markets Consultants, LLC Narrative](ea028229201_ex99-8.htm)

[Schedule 1 – ATR 1 Report](ea028229201_ex99-8sch1.htm)

[Schedule 2 – ATR OR QM Report 2](ea028229201_ex99-8sch2.htm)

[Schedule 3 – Data Compare Report 1](ea028229201_ex99-8sch3.htm)

[Schedule 4 – Data Compare Report 2](ea028229201_ex99-8sch4.htm)

[Schedule 5 – Exception Report 1](ea028229201_ex99-8sch5.htm)

[Schedule 6 – Grading Summary Report 1](ea028229201_ex99-8sch6.htm)

[Schedule 7 – RA Grades Summary Report 2](ea028229201_ex99-8sch7.htm)

[Schedule 8 – Standard Findings Report 2](ea028229201_ex99-8sch8.htm)

[Schedule 9 – Valuation Report 1](ea028229201_ex99-8sch9.htm)

[Schedule 10 – Valuation Report 2](ea028229201_ex99-8sch10.htm)

[99.9 - Third Party Due Diligence Report – Selene Diligence LLC Narrative](ea028229201_ex99-9.htm)

[Schedule 1 – Data Compare Report](ea028229201_ex99-9sch1.htm)

[Schedule 2 – RA Grades Summary Report](ea028229201_ex99-9sch2.htm)

[Schedule 3 – Standard Findings Report](ea028229201_ex99-9sch3.htm)

[Schedule 4 – Valuation Report](ea028229201_ex99-9sch4.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by PRP-Annex VI, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from March 2017 through December 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (85 loans), and Leases Scope (58 loans). The loans reviewed using the Credit and Compliance Scope and Leases Scope are together referred to as the mortgage loans.

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

The initial population consisted of 973 mortgage loans.

The final population of the Review covered 143 mortgage loans totaling an aggregate original principal balance of approximately $66.227 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original Interest Rate Period |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;City | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;State |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original HCLTV |  |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original Interest Rate |  |

---

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![](ex99-1_001.jpg)

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

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

**<u>CREDIT REVIEW (85 Loans)</u>**

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

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

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

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

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

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

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

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![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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

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

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![](ex99-1_001.jpg)

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

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

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (0 Loans)</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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![](ex99-1_001.jpg)

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

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

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

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014 (85 Loans)</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

 

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

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

 

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

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

With regard to General Ability to Repay testing, the compliance review was performed with the following considerations with respect to guideline deviations. Note, the following considerations are limited to General ATR (Non-QM, ATR Risk, ATR Fail) evaluation and do not apply to Qualified Mortgage (QM) reviews.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compensating factors for Guideline Deficiencies –
Compensating factors are not permitted to override, waive, or trump any of the 8 factors under 1026.43(c) that were not addressed by lender
based on the documents in the loan file. Compensating factors may be considered in reducing the severity of guideline deficiencies
in cases where the file contains evidence that the related ATR factor was addressed and considered, but did not have strict adherence
to guideline requirements (e.g. Guidelines require 2 years tax returns and file contains 1 year tax returns).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Present but deficient documentation – To the extent
there is a documentation deficiency, but file contains evidence that the ability to repay component was considered (e.g. Guidelines require
signed and dated tax returns and file contains unsigned undated tax returns), an EV2-B level exception will be cited for the deficiency
in the documentation against guidelines. On the contrary, if Guidelines require signed and dated tax returns and file does not contain
any tax returns or transcripts, finding will be reported as an EV3-C and yield a QM/ATR loan designation of ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Lender Policies Overlay – Lender policies that
act as an overlay or clarification of their approach to underwriting beyond the guidelines are considered in the review to determine if
loan documentation adheres to guidelines. No exception will be cited for guideline deviations that otherwise adhere to or meet requirements
set forth in Lender Policies. Provided there are no other open EV3-C ability to repay findings, loans with guideline deviations with documentation
that adheres to or meets requirements set forth in Lender Policies will yield a QM/ATR loan designation of Non-QM.

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

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

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

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

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

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

**(XI) FIRREA Review**

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

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**<u>LEASES SCOPE (58 Mortgage Loan)</u>**

**<u>DOCUMENT REVIEW</u>**

For each Loan, AMC will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose / non-owner occupancy, (l) articles of incorporation, if applicable, (m) operating agreement, and (n) background check.

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

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

**Credit Application:** For the Credit Application, AMC will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

**Credit Report:** AMC will verify (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

**Employment and Income:** AMC will determine whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

**Borrowing Entity:** AMC will verify the borrowing entity, if not an individual, is properly documented. In addition, AMC will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

**Property income:** AMC will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

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

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

Other aspects of AMC's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

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**Asset Review:** AMC will assess whether the asset documentation required by the guidelines is present in the file. AMC will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

**Insurance:** AMC will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

**Title:** AMC will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC will also review the Title Commitment for the disclosure issues such as assessments; covenants, conditions and restrictions); access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC will review for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, AMC will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>LEASES & LIMITED COMPLIANCE REVIEW</u>**

Includes Leases Review Scope with additional limited compliance review below.

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

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

with the following:

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

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

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

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

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

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

**(9) Disclaimer**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There were one hundred forty-three (143) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Fitch NRSRO grading criteria fifty-eight (58) loans (40.56%) had an Overall grade of "A", eighty-four (84) loans (58.74%) had an Overall grade of "B, and one (1) loan (0.70%) had an Overall grade of "C".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Overall** | &nbsp;&nbsp;**Fitch Overall** | &nbsp;&nbsp;**Fitch Overall** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;58 | &nbsp;&nbsp;40.56% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;84 | &nbsp;&nbsp;58.74% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

One hundred forty-three (143) loans were reviewed in the credit review scope. One hundred five (105) loans (72.43%) reviewed received an "A" Credit grade, thirty-seven (37) loans (25.87%) received a "B" Credit grade, and one (1) loan (0.70%) received a "C" Credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Credit** | &nbsp;&nbsp;**Fitch Credit** | &nbsp;&nbsp;**Fitch Credit** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;105 | &nbsp;&nbsp;73.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;37 | &nbsp;&nbsp;25.87% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** |

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**COMPLIANCE RESULTS SUMMARY**

Please note that 7 Leases Review were not subjected to a compliance review and did not receive a compliance grade. Of the remaining 136 mortgage loans under the Fitch rating criteria, 67 (49.26%) mortgage loans received an "A" Compliance grade, 68 (50.00%) mortgage loans received a "B" Compliance grade, and 1 (0.74%) mortgage loan received a "C" Compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Compliance** | &nbsp;&nbsp;**Fitch Compliance** | &nbsp;&nbsp;**Fitch Compliance** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;67 | &nbsp;&nbsp;49.26% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;68 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**136** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

One hundred forty-three (143) loans were reviewed in the Property review scope. Of the 143 mortgage loans under the Fitch rating criteria, one-hundred forty-two (142) loans (99.30%) loans reviewed received an "A" Property grade, and one (1) loan (0.70%) loans reviewed received an "B" Property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Property** | &nbsp;&nbsp;**Fitch Property** | &nbsp;&nbsp;**Fitch Property** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;142 | &nbsp;&nbsp;99.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred forty-three (143) Loans reviewed, eighty-none (89) unique Loans had three hundred sixty (360) different tape discrepancies across twenty-eight (28) data fields (some Loans had more than one data delta).

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;120 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;12 | &nbsp;&nbsp;120 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;22 | &nbsp;&nbsp;127 | &nbsp;&nbsp;17.32% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;8 | &nbsp;&nbsp;115 | &nbsp;&nbsp;6.96% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;136 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;74 | &nbsp;&nbsp;10.81% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;36 | &nbsp;&nbsp;115 | &nbsp;&nbsp;31.30% | &nbsp;&nbsp;143 |

---

12 \| P a g e

![](ex99-1_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;10 | &nbsp;&nbsp;116 | &nbsp;&nbsp;8.62% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;26 | &nbsp;&nbsp;127 | &nbsp;&nbsp;20.47% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;29 | &nbsp;&nbsp;115 | &nbsp;&nbsp;25.22% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;15 | &nbsp;&nbsp;13.33% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;135 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;128 | &nbsp;&nbsp;3.13% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;5 | &nbsp;&nbsp;135 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Original Interest Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;136 | &nbsp;&nbsp;2.21% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;130 | &nbsp;&nbsp;3.08% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;78 | &nbsp;&nbsp;119 | &nbsp;&nbsp;65.55% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;23 | &nbsp;&nbsp;114 | &nbsp;&nbsp;20.18% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;58 | &nbsp;&nbsp;115 | &nbsp;&nbsp;50.43% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;132 | &nbsp;&nbsp;7.58% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;136 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;46 | &nbsp;&nbsp;2.17% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;134 | &nbsp;&nbsp;5.22% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;135 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;5 | &nbsp;&nbsp;128 | &nbsp;&nbsp;3.91% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;134 | &nbsp;&nbsp;0.75% | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**360** | &nbsp;&nbsp;**3242** | &nbsp;&nbsp;**11.10%** | &nbsp;&nbsp;**143** |

---

13 \| P a g e

![](ex99-1_001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;130 | &nbsp;&nbsp;90.91% | &nbsp;&nbsp;$60159209.00 | &nbsp;&nbsp;90.84% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;13 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;$6067750.00 | &nbsp;&nbsp;9.16% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$66226959.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$66226959.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$66226959.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.70% | &nbsp;&nbsp;$215000.00 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;51 | &nbsp;&nbsp;35.66% | &nbsp;&nbsp;$19648607.00 | &nbsp;&nbsp;29.67% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;19 | &nbsp;&nbsp;13.29% | &nbsp;&nbsp;$10315240.00 | &nbsp;&nbsp;15.58% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;67 | &nbsp;&nbsp;46.85% | &nbsp;&nbsp;$34410367.00 | &nbsp;&nbsp;51.96% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.50% | &nbsp;&nbsp;$1637745.00 | &nbsp;&nbsp;2.47% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$66226959.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;142 | &nbsp;&nbsp;99.30% | &nbsp;&nbsp;$65771959.00 | &nbsp;&nbsp;99.31% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.70% | &nbsp;&nbsp;$455000.00 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$66226959.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;84 | &nbsp;&nbsp;58.74% | &nbsp;&nbsp;$40190511.00 | &nbsp;&nbsp;60.69% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;9 | &nbsp;&nbsp;6.29% | &nbsp;&nbsp;$2072150.00 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.40% | &nbsp;&nbsp;$932000.00 | &nbsp;&nbsp;1.41% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;30 | &nbsp;&nbsp;20.98% | &nbsp;&nbsp;$18082383.00 | &nbsp;&nbsp;27.30% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.20% | &nbsp;&nbsp;$1451295.00 | &nbsp;&nbsp;2.19% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;4.90% | &nbsp;&nbsp;$2281120.00 | &nbsp;&nbsp;3.44% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.10% | &nbsp;&nbsp;$636500.00 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.70% | &nbsp;&nbsp;$375000.00 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.70% | &nbsp;&nbsp;$206000.00 | &nbsp;&nbsp;0.31% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$66226959.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;67 | &nbsp;&nbsp;46.85% | &nbsp;&nbsp;$43317546.00 | &nbsp;&nbsp;65.41% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;70 | &nbsp;&nbsp;48.95% | &nbsp;&nbsp;$18582038.00 | &nbsp;&nbsp;28.06% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.20% | &nbsp;&nbsp;$4327375.00 | &nbsp;&nbsp;6.53% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$66226959.00** | &nbsp;&nbsp;**100.00%** |

---

14 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| |
|:---|
| ![](ex99-1sch1_001.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 3/13/2026 4:08:37 PM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | XXXX | XXXX | XXXX | Property Type | PUD | Townhouse | Verified | Valuations reflects subject is an Attached PUD-Townhome |
| XXXX | XXXX | XXXX |  | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | XXXX | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 37.027 | 34.3614 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 63.10 | 73.63 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Interest Rate Life Floor | 7.125 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 46.791 | 42.35229 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | Representative FICO | 624 | 622 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 95.45 | 101.46 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 7.08 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX |  | XXXX | Representative FICO | 680 | 638 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX |  | XXXX | Margin | 0 | 4 | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM 5/6mo | 5 Year Interest Only, 5/1 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 43 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 104.43 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 20.00 | 14.96 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 24.00 | 22.31 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 24.00 | 58.93 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 24.00 | 20.32 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 24.00 | 6.77 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 24.00 | 24.25 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 24.00 | 20.09 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 7.03 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | dscr |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 8.86 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 9.00 | 8.21 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 12.32 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 21.00 | 39.65 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 4.00 | 3.01 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 14.00 | 43.45 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 364.00 | 11.17 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 10.98 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note rider |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 45.5 | 31.27487 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 343.56 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | XXXX | Doc Type | 24mo Bank Statement | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 23 | 15.15394 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 56.86 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 15.17 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 8.59 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 13.47 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Original HCLTV | 70 | 75.83333 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 155.82 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 15.00 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 28.58 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 3.94 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 58.10 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 63.04 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 13.21 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note rider |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | MM Conforming NWC Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 8.07 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX |  | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | XXXX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 31.38 | 34.46845 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 26.00 | 26.95 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Representative FICO | 623 | 673 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 45.345 | 47.41956 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 8.45 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 492.35 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Original CLTV | 62.695 | 69.98663 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX |  | XXXX | Original LTV | 62.695 | 69.98663 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 13.363 | 16.12621 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 78.80 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 27.46 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 285.56 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX |  | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 6.55 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 98.77 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Original Interest Rate | 7.5 | 7.75 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 11.25 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 30.01 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 15.34 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 33.00 | 9.26 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 28.92 | 33.17576 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 16.00 | 16.20 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 663.72 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 728.35 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 43 | 17.40664 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 30.00 | 40.14 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | XXXX | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | XXXX | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 50 | 53.44055 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 87.02 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 9.41 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 67.67 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 37.63 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 691.58 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX |  | XXXX | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 4.45 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 112.15 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 41.316 | 38.50113 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 21.93 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 25.19 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | DSCR loans |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 17.93 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 71.48 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | NA |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 59.18 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 19.30 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 48.61 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 4.28 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 6.34 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX |  | XXXX | Original Interest Rate | 7.5 | 6.375 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | XXXX | Representative FICO | 711 | 736 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Used to verify the field the audit. |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 23.02 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX |  | XXXX | Original Interest Rate | 7 | 6.875 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | XXXX | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | XXXX | Original CLTV | 80 | 78.60262 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX |  | XXXX | Original LTV | 80 | 78.60262 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | DSCR loan |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 84.10 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX |  | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | XXXX | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX |  | XXXX | Original CLTV | 59.23 | 66.22222 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX |  | XXXX | Original LTV | 59.23 | 66.22222 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 36 | 24 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | DSCR loan |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 7.94 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Original Interest Rate | 8.5 | 8.625 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 9.00 | 9.33 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX |  | XXXX | Original Interest Rate | 6.75 | 6.5 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | XXXX | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 36 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | DSCR loan |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 12.84 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX |  | XXXX | Original CLTV | 52.22 | 55.03513 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX |  | XXXX | Original LTV | 52.22 | 55.03513 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | DSCR loan |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 15.09 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Representative FICO | 765 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX |  | XXXX | Representative FICO | 765 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 40 | 37.54377 | Verified | Per 1008 DTI is 37.55% and calculated DTI is 37.54% |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 12.00 | 40.46 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  |  | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Representative FICO | 0 | 650 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 12.42 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Approval/AUS |
| XXXX | XXXX | XXXX |  | XXXX | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Doc Type | Full | Alt |  |  |
| XXXX | XXXX | XXXX |  | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 24.00 | 5.85 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 3.19 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX |  | XXXX | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 6.01 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 7.91 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | XXXX | PITIA Reserves Months | 6.00 | 6.50 | Verified | Field value reflects source document |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

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| |
|:---|
| ![](ex99-1sch2_001.jpg) |
| **Exception Grades** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2017-09-29): 1003 provided<br>Buyer Comment (2017-09-29): Initial 1003 provided | 03/27/2017 |  |  | 1 B A |  | XX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX017) | CD closing date isXX/XX/XXXXnotary date isX/XX/XX. |  |  |  | Reviewer Comment (2017-09-29): Cured on PC CD<br>Buyer Comment (2017-09-29): please see PC CD, should clear multiple conditions |  | 03/27/2017 |  | 1 B A |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXX017) | Monthly escrow does not match with annual premium. |  |  |  | Reviewer Comment (2017-09-29): PC CD corrected issue.<br>Buyer Comment (2017-09-29): please PC CD |  | 03/28/2017 |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX017) | Due to transfer tax. |  |  |  | Reviewer Comment (2017-09-29): COC provided. | 03/27/2017 |  |  | 1 B A |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX017) | Missing CD, only CD at closing provided. |  |  |  | Reviewer Comment (2017-09-29): Earlier CD provided.<br>Buyer Comment (2017-09-29): Closing Disclosure prior to closing provided | 03/27/2017 |  |  | 1 C A |  | XX | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,080.00 exceeds tolerance of $2,575.00. Insufficent or no cure was provided to the borrower. (8304) |  |  |  |  | Reviewer Comment (2017-09-29): COC provided<br>Buyer Comment (2017-09-29): please see CoC with transfer tax change | 03/27/2017 |  |  | 1 C A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2017-09-29): Comment for ineligible borrower provided.<br>Buyer Comment (2017-09-29): Please see comments from client: Foreign National are ineligible for FNMA delivery, no credit report was ordered, can not run a AUS | 03/27/2017 |  |  | 1 C A |  | XX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing lender's ATR worksheet. No approval or income WS located in file. |  |  |  | Reviewer Comment (2017-09-29): ATR ws provided<br>Buyer Comment (2017-09-29): ATR worksheet provided | 03/27/2017 |  |  | 1 C A |  | XX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing ATR cert executed by borrower. |  |  |  | Reviewer Comment (2017-09-29): Cleared using toolkit and 1003<br>Buyer Comment (2017-09-29): please use toolkit and 1003 to satisfy the SG requirement | 03/27/2017 |  |  | 1 C A |  | XX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing independent third party verification of the borrower's business. |  |  |  | Reviewer Comment (2017-08-25): Received in trailing documents.<br>Buyer Comment (2017-08-25): see 3rd page - CPA credentials provided<br>Reviewer Comment (2017-08-22): Rec'd CPA letter. In addition to the CPA letter guidelines require the business and CPA are to be independently verified via XXXX, D & B, XXXX or other means of verification. | 08/25/2017 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | Missing release of lien/record for [Redacted] . Title Commitment, Section B, Paragraph 7 requires release of record or subordination agreement of Financing Statement with [Redacted] . Loan was not approved with subordinate financing and no documentation in file indicates a subordination was executed. |  |  |  | Reviewer Comment (2019-03-05): UCC Financing Statement Amendment rec'd in trailing docs. | 03/05/2019 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | Fraud report reflects foreclosure of [Redacted] on xxxx/xxxx1322; [Redacted] on xxxx/xxxxssing LOE and exact dates. Loan to be reviewed for eligibility once all missing documentation received. |  |  |  | Reviewer Comment (2019-03-04): Rec'd LOE and updated public records info.<br>Buyer Comment (2019-03-04): Please see attached LOX | 03/04/2019 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Hazard insurance policy was expired at time of closing.No active policy in file. |  |  |  | Reviewer Comment (2019-03-01): Received insurance binder not previously provided in loan submission.<br>Buyer Comment (2019-03-01): XX/XX/XXXX to XX/XX/XXXX - NOTE closing date isxx/xx/xx | 03/01/2019 |  |  | 1 B A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | XXXXXXXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2019-03-13): [Redacted] accepts |  |  | 03/13/2019 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | State Compliance | State HPML | XXXXXXXXX HPML Threshold Test Non-Compliant | XXXXXXXXX Higher-Priced Mortgage Loan: APR on subject loan of 7.36880% or Final Disclosure APR of 7.36900% is in excess of allowable threshold of APOR 4.81% + 1.5%, or 6.31000%. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2019-03-13): [Redacted] accepts |  |  | 03/13/2019 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | Transaction changed from a fixed rate to an ARM on [Redacted] . ARM disclosure in file is not dated, but was signed by borrower onxxxx/xxxxidence of earlier receipt not provided. |  |  |  | Reviewer Comment (2019-03-07): Received earlier disclosure | 03/07/2019 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx/xxxxcorrectly disclosed whether the loan allows for Assumption. | Assumption verbiage on Note. Final CD reflects not assumable. |  |  |  | Buyer Comment (2019-03-13): [Redacted] Accepts |  |  | 03/13/2019 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Compliance report not evidenced in loan file. |  |  |  | Reviewer Comment (2019-03-13): received<br>Reviewer Comment (2019-03-11): Loan Detail Report for worksheet provided (D0219) does not include State or Federal regulations, RESPA or TILA testing.<br>Buyer Comment (2019-03-11): Loan Detail Report<br>Reviewer Comment (2019-03-11): Report provided does not include State or Federal regulations, RESPA or TILA testing.<br>Buyer Comment (2019-03-11): Sellers have advised that the compliance report that was uploaded [Redacted] is the same compliance report they have always provided. Is there a reason this is not passing for this file?<br>Reviewer Comment (2019-03-07): Received same document dated xx/xx/xxxx<br>Reviewer Comment (2019-03-04): Rec'd Compliance Summary; missing full compliance report reflecting TILA, RESPA, HOEPA, state and federal regulations testing requirements. | 03/13/2019 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Note | Document Error | Note | Missing Documentation: Complete non-subject financing information was not found in file. |  | Missing verification of PITIA for [Redacted] ; [Redacted] ; [Redacted] . |  |  |  | Reviewer Comment (2019-03-11): Reviewed loan file. Properties are commercial.<br>Reviewer Comment (2019-03-04): Documentation required; loan approved under [Redacted] 12 month bank statement program with a DTI of [Redacted] %.<br>Buyer Comment (2019-03-04): \*\*Please re-review. Tax and insurance on other properties does not require verification - there is no debt ratio calculated. | 03/11/2019 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing verification that borrower is at least 50% owner of [Redacted] . Percentage of borrower's ownership in business must be documented via CPA letter, Operating Agreement or equivalent. |  |  |  | Reviewer Comment (2019-03-01): Received in trailing documents. | 03/01/2019 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under [Redacted] . Anti-predatory lending points and fees testing are not impacted. | Final CD reflects lump sum seller credit of $6825. |  |  |  | Buyer Comment (2019-04-08): meets guidelines |  |  | 03/05/2019 | 1 B A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Total Closing Costs Exceeds Limits Amount | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xxxx/xxxxsclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. | $1 credit is shown on the final CD page 2 Lender Credits, which is not represented on page 3 of the final CD in the calculating Cash to Close table. Provide a corrected post close CD and letter of explanation to the borrower. |  |  |  | Reviewer Comment (2019-04-08): Letter of Explanation & Corrected Closing Disclosure provided. |  | 03/18/2019 |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. |  | Payment shock exceeds 350% and lender exception was not provided. | Borrower on this Bank Statement documentation loan has a disposable income of $[Redacted] |  | Originator | Reviewer Comment (2019-04-08): Received Lender Exception approval. Payment shock exceeds 350%. Compensating Factor: Residual Income |  |  | 03/08/2019 | 2 C B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Assets must be sourced for 60 days. 2 months bank statements required for account # [Redacted] and only 1 month was provided. | Borrower on this Bank Statement documentation loan has a disposable income of $[Redacted] |  | Originator | Reviewer Comment (2019-04-08): Received Lender Exception approval. Allowing assets for 30 days for [Redacted] . Compensating Factors: Residual Income.<br>Reviewer Comment (2019-04-08): Additional statement not provided |  |  | 03/20/2019 | 2 C B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower prepared P&L and/or expense ratio was not provided. |  |  |  | Reviewer Comment (2019-04-08): n/a | 03/08/2019 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Deed reflects vesting to [Redacted] and [Redacted] . Security Instrument reflects [Redacted] . |  |  |  | Reviewer Comment (2019-04-08): Received Warranty Deed | 03/14/2019 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 12 month VOR was not provided. |  |  |  | Reviewer Comment (2019-04-08): [Redacted] Borrower's s current residence, is owned by Borrower's father, [Redacted] . Quit Claim Deed (D0079) coveys property to Borrower, [Redacted] xx/xx/xxxx. Copy of XXXX documents a $[Redacted] unpaid mortgage balance is Borrower's father individual financial obligation. VOMxx/xx $492.04 payment is included inXX.XX% DTI. | 03/18/2019 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: First Time Home Buyer is blank. |  | Final 1003 declarations (m) reflects borrower has had no ownership interest in a property in the last 3 years however REO section of 1003 and deed provided in file reflects borrower has had ownership interest in another property since [Redacted] . |  |  |  | Reviewer Comment (2019-04-08): UW LOE provided - Borrower was on fathers deed but wasn't on loan | 03/18/2019 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | File is missing authorization letter required for use of business funds, however, with the use of 50% of business funds (borrower is only 50% owner), borrower is still short of 6 month reserve requirement for FTHB. Additionally, no assets other than EMD of $[Redacted] are listed on the Final 1003. CPA letter in file only verifies that the EMD for $[Redacted] would not have an affect on the business and does not indicate that additional use of business funds would not affect business as required by guidelines. | [Redacted] % DTI on this 24 Mo Business bank statement documentation loan < 50% guideline max - [Redacted] % below program guideline maximum<br>[Redacted] representative FICO score > 620 guideline minimum<br>Borrower has employment stability for 7 years as a (redacted)<br>Residual income of $[Redacted] |  | Originator Pre-Close<br>Originator<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-04-22): Received Loan Exception History. [Redacted] mos reserves instead of 6 mos. Compensating Factors: 1) DTI. 2) Credit Score. 3) Employment History. 4) Housing History.<br>Reviewer Comment (2019-04-19): [Redacted] months reserves < 6 months required (first time homebuyer). |  |  | 04/22/2019 | 2 C B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | All non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrower's access to funds in the account. Letter from business partner was not provided. | Borrower has employment stability for 7 years as a (redacted)<br>[Redacted] % DTI on this 24 Mo Business bank statement documentation loan < 50% guideline max - [Redacted] % below program guideline maximum<br>Residual income of $[Redacted] |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-04-19): Rec'd exception for missing letter from borrower's spouse (business partner). |  |  | 04/19/2019 | 2 C B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided |  |  |  |  |  | 04/17/2019 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx/xxxxcorrectly disclosed whether the loan allows for Assumption. | Note addendum changes to Not assumable and Final CD reflects as Assumable. |  |  |  | Buyer Comment (2019-04-22): [Redacted] accepts |  |  | 04/22/2019 | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | File is missing letter from business partner to use business funds (max of 50% allowed) and additional assets needed to meet funds to close and 6 month reserve requirement. Additionally, CPA letter only acknowledges EMD withdrawn from business account as not having an affect on the business; no verification provided for affect on using any additional funds from business account. No other assets provided or listed on Final 1003. |  |  |  | Reviewer Comment (2019-04-19): Rec'd exception allowing use of funds without letter from business partner. | 04/19/2019 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [Redacted] Alternative Loan Analysis form is incomplete; no reason listed |  |  |  | Reviewer Comment (2019-04-19): Rec'd completed [Redacted] Alternative Lending Form. | 04/19/2019 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Total of 13 NSF's in most recent 12 months exceeds guideline max of 3; Lender exception approval granted with compensating factors. Strong residual income, Low DTI, 7 years on job, and 4 years in subject. | [Redacted] % DTI on this 24 Mo Business bank statement documentation loan < 50% guideline max - [Redacted] % below program guideline maximum<br>Borrower has employment stability for 7 years as a (redacted)<br>Residual income of $[Redacted] |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-04-18): Lender exception approval provided. |  |  | 04/18/2019 | 2 C B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: All conditions were not met |  | Copy of first months rent check was not provided as required by lender guidelines. | Borrower on this alt documentation loan has a disposable income of $[Redacted] .<br>Borrower has job stability for 25 years as an (redacted) |  | Originator<br>Originator | Reviewer Comment (2019-04-22): Client elects to waive. Exception waiver approval provided. Compensating factors: Residual income exceeds guideline requirement; borrower has stable employment history with over 25 years as a [Redacted] |  |  | 04/04/2019 | 2 C B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 12 months personal bank statements were provided. Personal account is joint with non borrower. Source of deposits cannot be reasonably established given joint ownership. Lender granted exception in file (page 0081). | Borrower on this alt documentation loan has a disposable income of $[Redacted] .<br>Borrower has job stability for 25 years as an (redacted) |  | Originator<br>Originator | Reviewer Comment (2019-04-22): Client elects to waive. Exception waiver approval provided. Compensating factors: Residual income exceeds guideline requirement; borrower has stable employment history with over 25 years as a [Redacted] |  |  | 04/05/2019 | 2 C B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Rent Comparison Schedule not provided |  | Lender exception (page 0081) indicates a market rent analysis on investment property located at [Redacted] did not support the current lease amounts. The market rent analysis was not located in file. Unable to determine fair market rents for this property. |  |  |  | Reviewer Comment (2019-04-22): Received | 04/05/2019 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | Other Compliance Exception (Manual Add) |  | Compliance report not found in file. |  |  |  | Reviewer Comment (2019-04-22): Received | 04/05/2019 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Borrower was not provided |  | Gap credit report not provided |  |  |  | Reviewer Comment (2019-05-10): Rec'd gap report in trailing docs. | 05/10/2019 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2019-05-10): Rec'd proof of appraisal delivery in trailing docs. | 05/10/2019 |  |  | 1 B A |  | XX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.94900% or Final Disclosure APR of 6.98300% is in excess of allowable threshold of APOR 4.77% + 1.5%, or 6.27000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2019-05-10): Rec'd proof of appraisal delivery in trailing docs. | 05/10/2019 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2019-05-10): Rec'd proof of appraisal delivery in trailing docs. | 05/10/2019 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  | Reviewer Comment (2019-05-13): Disclosure provided | 05/13/2019 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  | Reviewer Comment (2019-05-15): Borrower acknowledged receipt of booklet on ARM disclosure<br>Reviewer Comment (2019-05-13): Disclosure Details datedxx/xx/xxxx provided (D0344) does not identity disclosure(s) provided<br>Reviewer Comment (2019-05-10): Disclosure tracking not provided.<br>Buyer Comment (2019-05-10): Iniial pkg signed xx/xx/xxxxplease clear<br>Reviewer Comment (2019-05-10): Rec'd copy of CHARM Booklet, however, document is not signed or dated; unable to determine date Booklet was provided to the borrower. | 05/15/2019 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | State Compliance | State HPML | XXXXX Rate Spread Threshold Test Compliant | XXXXX Rate Spread Home Loan: APR on subject loan of 6.94900% or Final Disclosure APR of 6.98300% is in excess of allowable threshold of APOR 4.77% + 1.5%, or 6.27000%. Compliant Rate Spread Home Loan. |  |  |  |  | Buyer Comment (2019-06-20): [Redacted] accepts |  |  | 06/20/2019 | 2 B A |  | XX | Primary | Refinance - Cash-out - Other | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. <br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. |  |  |  |  |  | Reviewer Comment (2019-05-10): Rec'd copy of HOI policy reflecting Mortgage clause as Lender - including successors and assigns | 05/10/2019 |  |  | 1 B A |  | XX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to go into a securitization and secondary valuation is required. The secondary valuation in file is an invalid AVM (FSD is not 20% or less). Loan will require a supporting desk review or better. |  |  |  |  |  | Reviewer Comment (2019-06-28): CDA Received | 06/28/2019 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing documentation showing business was in existence within ten days of closing. |  |  |  | Reviewer Comment (2019-05-13): Verification of CPA (D0343) was provided<br>Reviewer Comment (2019-05-01): Rec'd Verbal verification with CPA, however, Verification of CPA was not provided. | 05/13/2019 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Short dwelling coverage by $[Redacted] - policy does not have extended coverage |  |  |  | Reviewer Comment (2019-05-21): Received increased coverage | 05/21/2019 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. |  | Missing lender's loss payee clause |  |  |  | Reviewer Comment (2019-05-21): Received | 05/21/2019 |  |  | 1 B A |  | XX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Missing the Final Title Policy |  |  |  | Reviewer Comment (2019-05-29): Received Final Title (Short Form) | 05/29/2019 |  |  | 1 A |  | XX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Commitment shows coverage in the amount of $[Redacted] . The loan amount was increased to $[Redacted] but the title insurance policy coverage was not increased accordingly. |  |  |  | Reviewer Comment (2019-05-29): Received Final Title (Short Form) | 05/29/2019 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The lender/client on the appraisal was not in the name of the lender. A transfer letter is not included. |  |  |  | Reviewer Comment (2021-11-22): Client elects to waive. |  |  | 11/22/2021 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-660.00. | Lender Credit Fee was last disclosed as $660.00 on LE but disclosed as $0.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $660, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-12-20): COC received.<br>Seller Comment (2021-12-16): Hello, attached please find the requested COC, thanks. | 12/20/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $660.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Discount Fee was last disclosed as $0.00 on LE but disclosed as $660.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $660, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-12-17): XXXXX received a valid COC on increase of Loan Discount Points.<br>Seller Comment (2021-12-16): Hello, attached please find the requested COC, thanks. | 12/17/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank XXXXX): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2021-11-22): Client elects to waive. |  |  | 11/22/2021 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | Preliminary Title does not indicate the Policy Amount, Final Title is not provided. |  |  |  | Reviewer Comment (2021-11-22): Client elects to waive. |  |  | 11/22/2021 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-02-09): Received Valuation Risk Review As Is Documents for subject property secondary valuation updated the details. Exception Cleared<br>Seller Comment (2022-02-08): Desktop appraisal | 02/09/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.30612% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX,XXX on a Federal Total Loan Amount of $XXX,XXXvs. an investor allowable total of $XXX,XXX(an overage of $1,445.38 or .XX%). | Input par rate of 5% per Mavent. |  |  |  | Reviewer Comment (2022-02-15): Client elects to waive. |  |  | 02/15/2022 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | State Compliance | State HPML | XXXXXXXXX HPML Threshold Test Compliant | XXXXXXXXX Higher-Priced Mortgage Loan: APR on subject loan of 5.43700% or Final Disclosure APR of 5.4XXX0% is in excess of allowable threshold of APOR 3.16% + 1.5%, or 4.66000% Compliant Higher Priced Loan. | Loan is a Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2022-02-15): Client elects to waive. |  |  | 02/15/2022 | 2 B |  | XX | Primary | Purchase | No obvious cure D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  |  |  |  |  | Reviewer Comment (2022-02-09): Received 12 months Verification of Rent/Mortgage (VOR) updated the details. Exception Cleared<br>Seller Comment (2022-02-08): Verification of Rent | 02/09/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2022-02-15): Client elects to waive. |  |  | 02/15/2022 | 2 B |  | XX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $175.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-12): XXXXX received COC dated XX/XX/XX. | 04/12/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation (YSP). Fee Amount of $4,800.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Originator Fee increased from $0.00 to $4800.00 at closing with no cure provided |  |  |  | Reviewer Comment (2022-04-20): XXXXX received a Changed circumstance on XX/XX/XX for the Compensation fee switching to Lender paid to borrower paid. Also, supporting Rate lock conformation was provided in original file for the same.<br>Seller Comment (2022-04-20): CS XX/XX/XX The origination started as lender paid when the loan was first locked. Due to this the compensation will not show on the Loan estimate. On XX/XX/XX there was a Change Of Circumstance done changing the compensation form lender paid to borrower paid. By switching this to borrower paid, it reduces the need to charge discount points because the borrower is paying the compensation directly. There was a Closing disclosure that went out following for re-disclosure. Please see attached Closing disclosure and Change Of Circumstance form. | 04/20/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX OR XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The Preliminary Title Report in file did not disclose the amount of title insurance coverage. Please provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-04-26): Client elects to waive |  |  | 04/26/2022 | 2 B |  | XX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-05-31): Final Title policy received, verified and associated the document hence exception cleared. | 05/31/2022 |  |  | 1 A |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $80.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $80.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-05-20): Sufficient Cure Provided At Closing |  | 05/20/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $200.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $200.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-05-20): Sufficient Cure Provided At Closing |  | 05/20/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed $1,071,200 of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-05-31): Final Title policy received with updated coverage to loan amount, verified and associated the document hence exception cleared.<br>Seller Comment (2022-05-27): XX/XX/XXX see attached please clear thank you | 05/31/2022 |  |  | 1 B A |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Provide a copy of the Business Purpose Certificate. |  |  |  | Reviewer Comment (2022-06-29): Received and associated Business Purpose Certificate. Exception cleared. | 06/29/2022 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX XXXXX - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.06650% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXX on a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $XXX,XXX (an overage of $11,233.56 or X.XX%). | QM Points and Fees threshold exceeded by an overage of $11,233.56 or X.XX%. Lender to issue refund of overage to borrower. Lender to provide copy of refund check and proof of delivery. Provide payment history of loan verifying loan is not 60 days delinquent. |  |  |  | Reviewer Comment (2022-07-13): Client elects to waive.<br>Reviewer Comment (2022-07-11): client to review |  |  | 07/13/2022 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purXXXXXXr or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | HOEPA Assignment Notice is not located in file. |  |  |  | Reviewer Comment (2022-08-12): Offset for seller paid loan discounts per Itemization which brings points and fees under threshold.<br>Seller Comment (2022-08-11): HOEPA<br>Seller Comment (2022-08-11): Please see the attached HOEPA test. There are $3742.95 in excludable fees, reducing Total P&Fs to $12,142.87, or X.XX%. Loan passes HOEPA. | 08/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Total fees financed by lender exceed permitted threshold. HOEPA Disclosure is not located in file. |  |  |  | Reviewer Comment (2022-08-12): Offset for seller paid loan discounts per Itemization which brings points and fees under threshold.<br>Seller Comment (2022-08-11): Please see the attached HOEPA test. There are $3742.95 in excludable fees, reducing Total P&Fs to $12,142.87, or X.XX%. Loan passes HOEPA. | 08/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Total fees financed by lender exceed permitted threshold. Late charge exceeds max of 4% of amount past due and/or grace period of 15 days. |  |  |  | Reviewer Comment (2022-08-12): Offset for seller paid loan discounts per Itemization which brings points and fees under threshold.<br>Seller Comment (2022-08-11): Please see the attached HOEPA test. There are $3742.95 in excludable fees, reducing Total P&Fs to $12,142.87, or X.XX%. Loan passes HOEPA. | 08/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.62144% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an allowable total of $XXX,XXX (an overage of $1,784.57 or .XX%). Non-Compliant High Cost Loan. | Total fees financed by lender is $16,142.87. Threshold maximum is $XXX,XXX. |  |  |  | Reviewer Comment (2022-08-12): Offset for seller paid loan discounts per Itemization which brings points and fees under threshold.<br>Seller Comment (2022-08-11): HOEPA<br>Seller Comment (2022-08-11): Please see the attached HOEPA test. There are $3742.95 in excludable fees, reducing Total P&Fs to $12,142.87, orX.XX%. Loan passes HOEPA. | 08/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Total fees financed by lender exceed permitted threshold. Pre-Loan Counseling status if not located in file. |  |  |  | Reviewer Comment (2022-08-12): Offset for seller paid loan discounts per Itemization which brings points and fees under threshold.<br>Seller Comment (2022-08-11): Please see the attached HOEPA test. There are $3742.95 in excludable fees, reducing Total P&Fs to $12,142.87, or X.XX%. Loan passes HOEPA. | 08/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX XXXXX - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | Points and fees exceed maximum threshold of 3% by 2.62144%. |  |  |  | Reviewer Comment (2022-08-18): Client elects to waive.<br>Reviewer Comment (2022-08-12): XXXXX to review<br>Seller Comment (2022-08-11): Disagree - Please note that the XXX points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan.<br>Bank Statement loans are not subject to QM, XXX, XXX or State-Specific high cost testing. They are still required to pass HOEPA and our investors will take HPML fails on them as long as all the requirements are met. i.e. (no appraisal wavier, no escrow waiver, and not NY)<br>Our contract states that XXXXX will buy HPML as long as all the requirements were met, as they were on this loan. |  |  | 08/18/2022 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,721.00 exceeds tolerance of $1,458.00 plus 10% or $1,603.80. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-08): Sufficient Cure Provided At Closing |  | 08/08/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Missing page one of business bank statement for period beginning XX/XX/XXXXo XX/XX/XXXXor account XXXXX. |  |  |  | Reviewer Comment (2022-08-12): Received Bank statement dated from XX/XX/XX to XX/XX/XX for account XXXXX for borrower bank statement income updated the details. Exception Cleared<br>Seller Comment (2022-08-11): XX/XX/XXX: Please see the attached page one of the statement. | 08/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-08-31): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared. | 08/31/2022 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-08-31): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and with variance of 0.00% , verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-08-30): Valuation Received - XX/XX/XX | 08/31/2022 |  |  | 1 A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX 3% points and fees test. Points and fees test. Points and Fees on subject loan of 4.72008% is in excess of $8,843.77 or 1.72008% |  |  |  | Reviewer Comment (2022-12-13): Client elects to waive<br>Reviewer Comment (2022-12-12): Client to review. |  |  | 12/13/2022 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-12-22): Desk review provided. | 12/22/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXXXXXXXX/ Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2022-12-22): Desk review provided.<br>Reviewer Comment (2022-12-20): Valuation Received - XX/XX/XXXX | 12/22/2022 |  |  | 1 A |  | XX | Primary | Purchase | D B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | Missing updated credit report. |  |  |  | Reviewer Comment (2023-01-26): Received credit report. Exception cleared.<br>Seller Comment (2023-01-24): credit report follows | 01/26/2023 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2023-01-19): CDA provided. Exception cleared.<br>Seller Comment (2023-01-18): CDA attached | 01/19/2023 |  |  | 1 D A |  | XX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $165,175.71 are insufficient to meet cash to close of $222,181.98. Final 1008 reflects $169,336.89 verified, however, missing verification of earnest money deposit reflected on final CD. Also, guidelines require CPA letter reflecting withdrawal of funds will not negatively impact business in order for business funds to be used for closing and reserves. CPA letter in file does not address the withdrawal of funds. |  |  |  | Reviewer Comment (2023-03-30): Source of deposit received. Exception cleared.<br>Reviewer Comment (2023-03-28): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XX PRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX | 03/30/2023 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,636.08 on Final Closing Disclosure provided on XX/XX/XXXXot accurate. | The amount on the appraisal reflects HOA dues of $1,472.00 annually. However, HOA dues reflected on the Final CD reflect $1,636.08 annually or $136.34/mo. No additional documentation in file to verify the amount on the Final CD is accurate. |  |  |  | Reviewer Comment (2023-01-19): Client elects to waive. |  |  | 01/19/2023 | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Guidelines require CPA letter reflecting withdrawal of funds will not negatively impact business in order for business funds to be used for closing and reserves. CPA letter in file does not address the withdrawal of funds. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-03-28): Client elects to waive; comp factors: XXXFICO, XX% LTV & SE 5 years |  |  | 03/28/2023 | 2 C B |  | XX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 1.49 is less than Guideline PITIA months reserves of 6.00. Missing verification of earnest money deposit reflected on final CD. Also, guidelines require CPA letter reflecting withdrawal of funds will not negatively impact business in order for business funds to be used for closing and reserves. CPA letter in file does not address the withdrawal of funds. |  |  |  | Reviewer Comment (2023-03-30): Source of deposit received. Exception cleared.<br>Reviewer Comment (2023-03-28): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XX PRIOR Exception Explanation: Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | 03/30/2023 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees threshold exceeded by $18,671.03 or X.XX% |  |  |  | Reviewer Comment (2023-03-01): Client elects to waive. |  |  | 03/01/2023 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purXXXXXXr or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and XXXXX not be found in the file for loans that have not been previously sold) | Federal HOEPA Assignment Notice is missing in the file. |  |  |  | Reviewer Comment (2023-03-03): Seller paid discount points applied to HOEPA points and fees per itemization.<br>Seller Comment (2023-02-28): Please see attached itemization showing that discount points of $15,000 were paid by seller concessions and thus excluded from the HOEPA Points & Fees. | 03/03/2023 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA disclosure was not provided to the Borrower |  |  |  | Reviewer Comment (2023-03-03): Seller paid discount points applied to HOEPA points and fees per itemization.<br>Seller Comment (2023-02-28): Please see attached itemization showing that discount points of $15,000 were paid by seller concessions and thus excluded from the HOEPA Points & Fees. | 03/03/2023 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  | Reviewer Comment (2023-03-03): Seller paid discount points applied to HOEPA points and fees per itemization.<br>Seller Comment (2023-02-28): Please see attached itemization showing that discount points of $15,000 were paid by seller concessions and thus excluded from the HOEPA Points & Fees. | 03/03/2023 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XX,XXXon a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XX,XXX(an overage of $X,XXX or .XX%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of 5.92007% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XX,XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XX,XXXX (an overage of $5,882.99 or XX%). |  |  |  | Reviewer Comment (2023-03-03): Seller paid discount points applied to HOEPA points and fees per itemization.<br>Seller Comment (2023-02-28): Please see attached itemization showing that discount points of $15,000 were paid by seller concessions and thus excluded from the HOEPA Points & Fees. | 03/03/2023 |  |  | 1 C A |  | XX | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (2023-03-03): Seller paid discount points applied to HOEPA points and fees per itemization.<br>Seller Comment (2023-02-28): Please see attached itemization showing that discount points of $15,000 were paid by seller concessions and thus excluded from the HOEPA Points & Fees. | 03/03/2023 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2023-03-14): Client elects to waive. |  |  | 03/14/2023 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXXisclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | CD dated XX/XX/XXXXid not disclose accurate escrows. |  |  |  | Reviewer Comment (2022-07-27): XXXXX |  | 07/27/2022 |  | 1 A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. . Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXXXX Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum threshold of $9,180.27 or .XX%. |  |  |  | Reviewer Comment (2023-06-07): XXXXX<br>Reviewer Comment (2023-05-31): XXXXX<br>Seller Comment (2023-05-31): XXXXX |  |  | 06/07/2023 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of 0 is less than Guideline PITIA months reserves of 12.00. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2023-06-06): XXXXX |  |  | 06/06/2023 | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing mortgage statement for the property located at XXXXX. |  |  |  | Reviewer Comment (2023-06-13): Received CD and updated 1003 and 1008 for updated additional property. Exception cleared.<br>Seller Comment (2023-06-13): XX/XX/XXX: Please see attached. | 06/13/2023 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Reviewer Comment (2023-06-21): Client elects to waive. |  |  | 06/21/2023 | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 08/02/2023 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Income worksheet was not provided to verify deposits and exclusion of deposits lender used for qualification. |  |  |  | Reviewer Comment (2023-08-09): XXXXX | 08/09/2023 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 08/25/2023 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,090.00 exceeds tolerance of $545.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2023-08-25): Sufficient Cure Provided At Closing |  | 08/25/2023 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/27/2023 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,270.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $600.00 on Initial closing disclosure but disclosed as $1,270.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include$3,670.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2023-09-27): Sufficient Cure Provided At Closing |  | 09/27/2023 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.. |  |  |  |  |  |  | 09/25/2023 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2023-11-15): XXXXX<br>Seller Comment (2023-11-14): XXXXX | 11/15/2023 |  |  | 1 D A |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/09/2023 | 2 B |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Appraisal Effective Date is XX/XX/XXXXnd CDA Effective date is XX/XX/XXXXThe desk review should have same effective date as the appraisal. |  |  |  | Reviewer Comment (2023-12-12): XXXXX<br>Seller Comment (2023-12-12): XXXXX<br>Reviewer Comment (2023-11-15): XXXXX<br>Seller Comment (2023-11-15): XXXXX | 12/12/2023 |  |  | 1 A |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower's LTV XX.XX% less than guideline maximum of XX%. | Originator Pre-Close,SitusAMC | Reviewer Comment (2023-12-06): .<br>Reviewer Comment (2023-10-26): Waive per clients guidance. |  |  | 10/26/2023 | 2 C B |  | XX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-10-26): Waive per clients guidance |  |  | 10/26/2023 | 2 B |  | XX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2023-10-26): Waive per clients guidance. |  |  | 10/26/2023 | 2 B |  | XX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Approved exception at origination is provided, for XXX FICO is less than 650, with comp factor XX.XX% LTV. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower's LTV XX.XX% less than guideline maximum of XX%. | Originator Pre-Close,SitusAMC | Reviewer Comment (2023-10-19): Comp factors provided |  |  | 10/19/2023 | 2 C B |  | XX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | Approved exception at origination is provided, for no open or active tradelines, with comp factor XX.XX% LTV. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower's LTV XX.XX% less than guideline maximum of XX%. | Originator Pre-Close,SitusAMC | Reviewer Comment (2023-10-19): Comp factors provided |  |  | 10/19/2023 | 2 C B |  | XX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | Approved exception at origination is provided, no lease agreement, with comp factor XX.XX% LTV. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower's LTV XX.XX% less than guideline maximum of XX%. | Originator Pre-Close,SitusAMC | Reviewer Comment (2023-10-19): Comp factors provided |  |  | 10/19/2023 | 2 C B |  | XX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Required Impound/Escrow account(s) were not established. |  | Approved exception at origination is provided, for iimpound waiver, with comp factor XX.XX% LTV. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower's LTV XX.XX% less than guideline maximum of XX%. | Originator Pre-Close,SitusAMC | Reviewer Comment (2023-10-27): Comp factor provided<br>Reviewer Comment (2023-10-27): 1<br>Reviewer Comment (2023-10-19): Comp factors provided |  |  | 10/27/2023 | 2 C B |  | XX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Certificate of Authority missing. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower's LTV XX.XX% less than guideline maximum of XX%. | Originator Pre-Close,SitusAMC | Reviewer Comment (2023-12-04): Client elects to waive.<br>Reviewer Comment (2023-11-24): Certificate of authority is missing. Exception Remains |  |  | 12/04/2023 | 2 C B D |  | XX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Stamped Title Company Closing Statement Used For Fee Testing Non Material | Missing Final HUD-1: Stamped Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. Investment occupancy with business purpose cert in file. Business purpose loans exempt from RESPA HUD-1 requirement. EV2 informational finding to indicate which document was used to source fees for any applicable testing. |  |  |  |  | Reviewer Comment (2023-10-26): Waive per clients guidance |  |  | 10/26/2023 | 2 B |  | XX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2024-11-08): . |  |  | 10/23/2023 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of 6.00. |  |  |  | Reviewer Comment (2023-12-28): XXXXX<br>Seller Comment (2023-12-27): XXXXX | 12/28/2023 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/30/2023 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | The file is missing a copy of 1007 Rent comparison schedule. |  |  |  | Reviewer Comment (2024-03-12): XXXXX | 03/12/2024 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/12/2024 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The File is missing a copy of Mortgage statement & for the property XXXXX, If payment is not escrowed, please provide the Tax & Insurance documentation. |  |  |  | Reviewer Comment (2024-04-16): XXXXX<br>Seller Comment (2024-04-15): XXXXX | 04/16/2024 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/04/2024 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXXXX Points and Fees exceed allowable threshold by $9,263.37 orX%. |  |  |  |  |  |  | 02/21/2024 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statements | Ability to Repay (Dodd-Frank XXXXX): Unable to verity Bank Statement income due to, bank statement provided was dated more than 90 days prior to closing, CPA letter provided was dated more than 90 days prior to closing. | The file is missing a copy of the most recent income documents. |  |  |  | Reviewer Comment (2024-07-31): XXXXX<br>Reviewer Comment (2024-07-29): XXXXX<br>Seller Comment (2024-07-27): XXXXX<br>Buyer Comment (2024-07-17): XXXXX<br>Reviewer Comment (2024-07-12): XXXXX<br>Seller Comment (2024-07-09): XXXXX<br>Reviewer Comment (2024-07-08): XXXXX<br>Seller Comment (2024-07-03): XXXXX |  |  | 07/31/2024 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/30/2024 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. |  |  |  |  | Buyer Comment (2019-08-19): XXXXXX has elected to waive this exception. |  |  | 08/19/2019 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow EMD and additional down payment funds to come from business account, program requires funds to be moved from business to personal account | Credit score is XXX, XX points > program requirement of 640.<br>DTI is XX%, XX%< program maximum of 50%.<br>Reserves are 5 months, 2 months > program requirement of 3 months.<br>Borrower has been XXXXXXfor the past 6 years.<br>No public records. |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-08-19): Client has elected to waive this exception based on compensating factors. |  |  | 08/19/2019 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan allows for Assumption. | The Note contains assumption language and the CD indicates the loan is not assumable. |  |  |  | Reviewer Comment (2019-10-23): Waive per client request. |  |  | 10/23/2019 | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Borrower was qualified with monthly rental income of $1,750.00 for the property at [redacted], which was only verified with a XXXX rent "estimate". The XXXX rent estimate reflects this property last transferred in 2014 and the Final 1003 disclosed the borrower last lived in this property 1.6 years ago. Per [redacted] Underwriting guidelines, the rental income for this property must be verified with the most recent Schedule E or a current executed lease agreement. File is missing the most recent Schedule E and/or a current executed lease agreement therefore, this rental income has been excluded resulting in a DTI of 64.48%. | PITIA reserves above minimum by 6 months or greater. Number of PITIA Reserves: 300<br>FICO score above minimum by 20 points or greater. FICO: XXX>XXX<br>XX% LTV < 90% guideline max |  | Originator<br>Originator<br>Originator | Reviewer Comment (2019-11-13): Client provided exception to use XXXX estimate as market rent. |  |  | 11/13/2019 | 2 C B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) OF XX.XX%significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Borrower was qualified with monthly rental income of $1,750.00 for the property at 13255 Crownridge Dr, which was only verified with a XXXX rent "estimate". The XXXX rent estimate reflects this property last transferred in 2014 and the Final 1003 disclosed the borrower last lived in this property 1.6 years ago. Per [redacted] Underwriting guidelines, the rental income for this property must be verified with the most recent Schedule E or a current executed lease agreement. File is missing the most recent Schedule E and/or a current executed lease agreement therefore, this rental income has been excluded resulting in a DTI of XX%. |  |  |  | Reviewer Comment (2019-11-13): Client allowed use of XXXX as market rent support.<br>Buyer Comment (2019-10-28): Please see response under "Investor qualifying total debt ratio discrepancy" tab. | 11/13/2019 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing rental income documentation in accordance with [redacted] guidelines and a DTI of XX%, the subject loan is at ATR Risk. |  |  |  | Reviewer Comment (2019-11-13): Client allowed use of XXXX as market rent support.<br>Buyer Comment (2019-10-28): Please see response under "Investor qualifying total debt ratio discrepancy" tab. | 11/13/2019 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing rental income documentation in accordance with [redacted] guidelines and a DTI of XX%, the subject loan is at ATR Risk. |  |  |  | Reviewer Comment (2019-11-13): Client allowed use of XXXX as market rent support.<br>Buyer Comment (2019-10-28): Please see response under "Investor qualifying total debt ratio discrepancy" tab. | 11/13/2019 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal - ECOA Receipt of Appraisal without waiver OR after waiver. |  |  |  |  |  |  | 07/09/2024 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.72438% or Final Disclosure APR of 10.73600% is equal to or greater than the threshold of APOR 6.93% + 2.5%, or 9.43000%. Non-Compliant Higher Priced Mortgage Loan. | Final Disclosure APR of 10.73600% is equal to or greater than the threshold of APOR 6.93% + 2.5%, or 9.43000%. |  |  |  | Reviewer Comment (2024-08-20): Received evidence appraisal delivered to borrower. Exception cleared.<br>Seller Comment (2024-08-15): Seller requests buyer review: Please see system screen shot for proof of appraisal delivery. Appraisal is now delivered. Please waive exception.<br>Reviewer Comment (2024-07-26): This exception is firing due to the TIL HPML Receipt of appraisal exception. Once that exception is cleared, this one should clear as well.<br>Seller Comment (2024-07-23): Please advise what is required to cure the exception. | 08/20/2024 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2024-08-20): Received evidence appraisal delivered to borrower. Exception cleared.<br>Seller Comment (2024-08-15): Seller requests buyer review: Please see system screen shot for proof of appraisal delivery. Appraisal is now delivered. Please waive exception.<br>Reviewer Comment (2024-08-15): As per received system screen shot date reflect 8/14/2024 which is post note date. Hence per TILA/ECOA guidelines, appraisal was sent to the borrower 3 days prior to closing is not met. Exception remains.<br>Seller Comment (2024-08-14): Please see system screen shot for proof of appraisal delivery. Appraisal is now delivered. Please waive exception.<br>Reviewer Comment (2024-08-12): Per Appraisal report s in file, Final Appraisal dated x/xx/xxxx is sent to borrower however per TILA/ECOA guidelines, evidence of appraisal was sent to the borrower 3 days prior to closing is not documented. Exception remains.<br>Seller Comment (2024-08-12): The 2nd appraisal was completed near the XXXXth however there were a few corrections that the appraiser had to make which is why the last one likely shows that it wasn't completed until the XXXXth. Please see our 3rd party vendor FLS showing the appraisal completed on x/xx.<br>Reviewer Comment (2024-07-24): Received Proof of Appraisal delivery receipt for appraisal report date XX/XX/XXXX. Please provide Proof of Appraisal delivery receipt for Appraisal report dated x/xx/xxxx (Appraisal company - Langer Appraisals) as well. Exception remains.<br>Seller Comment (2024-07-23): Please see both emails for proof of delivery for both appraisals prior to closing. | 08/20/2024 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | Reviewer Comment (2024-08-22): 442 - Certification of Completion report received. Inspection date updated and document associated. Exception is cleared.<br>Seller Comment (2024-08-22): Please review inspection report.<br>Reviewer Comment (2024-08-15): Inspection report is yet to be received in file. Exception remains.<br>Seller Comment (2024-08-15): We are still working on getting the inspection completed on the property. Will provide the report ASAP.<br>Reviewer Comment (2024-07-16): EXCEPTION HISTORY - Exception Explanation was updated on X/X/XX PRIOR Exception Explanation: Most Recent Valuation Inspection Date: X/X/XX&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: X/X/XX<br> Disaster Name: XXXXXXXXXXXXXXXXXXXX<br> Disaster Declaration Date: X/X/XX | 08/22/2024 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing tax and insurance documentation for XXXXXXXXXXX, XXXXXXXXXXXX,XXXXXXXXXXXX, XXXXXXXXXXX, XXXXXXXXXXX, andXXXXXXXXXXX. |  |  |  | Reviewer Comment (2024-07-24): Received and associated Tax Verification, Insurance Verification and Mortgage Statement. Exception is cleared.<br>Seller Comment (2024-07-23): Please review all REO docs. | 07/24/2024 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-08-23): Client elects to waive. |  |  | 08/23/2024 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $5,353.07 or X.XX% |  |  |  |  |  |  | 08/06/2024 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $703.60 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $703.60 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-08-06): Sufficient Cure Provided At Closing |  | 08/06/2024 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXXXX Points and Fees exceed allowable threshold by $1,765.20 or .XX%. |  |  |  |  |  |  | 09/23/2024 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,117.22 exceeds tolerance of $1,934.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $1934.00 on LE but disclosed as $2117.22 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $183.22, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-10-16): XXXXX<br>Seller Comment (2024-10-15): XXXXX<br>Reviewer Comment (2024-10-09): XXXXX<br>Seller Comment (2024-10-08): XXXXX |  | 10/16/2024 |  | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/12/2024 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.02698% or Final Disclosure APR of 10.10000% is equal to or greater than the threshold of APOR 6.43% + 1.5%, or 7.93000%. Non-Compliant Higher Priced Mortgage Loan. | Final Disclosure APR of 10.10000% is in excess of allowable threshold of 6.43% + 1.5%, or 7.93000%. |  |  |  | Reviewer Comment (2024-09-19): Received evidence of appraisal delivery. Exception cleared. | 09/19/2024 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2024-09-19): Received evidence of appraisal delivery. Exception cleared. | 09/19/2024 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $5,102.02 or X%. |  |  |  |  |  |  | 09/12/2024 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $15,784.11 exceeds tolerance of $14,010.36. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XX,XXX exceeds tolerance of $14,010.36. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-24): SitusAMC received COC, LOE and conversation log for change in pricing. | 09/24/2024 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 2.62 is less than Guideline PITIA months reserves of 3.00. |  |  |  | Reviewer Comment (2024-09-30): Received statement. Exception cleared.<br>Seller Comment (2024-09-30): (Rate Lock) XXXXXXXXXXXXX#xxxx $11,417.96. XXXXXX #XXXX $32,147.36. $16,000 gift--wired to title. $14,000 gift---wired to title. XXXXXXXXXXXXX#XXXX $904.14. XXXXXXXXXXXXX#3928 $1,540.20 . Total funds= $46,009.66. Funds needed for closing = $XXXXX. Leaves $11,772.86 for the reserves. Reserves required = $11,730.00. | 09/30/2024 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2024-09-30): Received statement. Exception cleared. | 09/30/2024 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2024-09-30): Received statement. Exception cleared. | 09/30/2024 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2024-08-30): XXXXX<br>Reviewer Comment (2024-08-28): XXXXX<br>Seller Comment (2024-08-27): XXXXX | 08/30/2024 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-243.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-243.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-08-21): XXXXX |  | 08/21/2024 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2024-11-20): Client elects to waive. Comp factors:<br> XXX FICO, XX% LTV & X.XX DSCR |  |  | 11/20/2024 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | File is missing a CPA letter indicating withdrawal of business funds will not negatively impact the business OR verification a cash flow analysis was completed to meet FNMA guidance. |  |  |  | Reviewer Comment (2024-11-21): Received CPA letter for evidence of access funds from business account (#XXXX) verified and updated the details. Available assets are sufficient for reserves and closing. Exception Cleared.<br>Seller Comment (2024-11-20): XX/XX tm: please see attached | 11/21/2024 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | File is missing a CPA letter indicating withdrawal of business funds will not negatively impact the business OR verification a cash flow analysis was completed to meet FNMA guidance. |  |  |  | Reviewer Comment (2024-11-21): Received CPA letter for evidence of access funds from business account (#XXXX) verified and updated the details. Available assets are sufficient for reserves and closing. Exception Cleared.<br>Seller Comment (2024-11-20): XX/XX tm: please see attached | 11/21/2024 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $41,465.06. Due to missing a CPA letter indicating withdrawal of business funds will not negatively impact the business OR verification a cash flow analysis was completed to meet FNMA guidance. |  |  |  | Reviewer Comment (2024-11-26): Received CPA meeting the requirement and same updated. Exception cleared.<br>Seller Comment (2024-11-25): XX/XX tm: please see corrected CPA letter in place of unexpired statement for XXXXXXXXXX account. CPA verifies use of business funds from XXXX account will not harm business.<br>Reviewer Comment (2024-11-22): Available bank Statement in file for XXXXXXXXXXXXX is more than 120 days older. Per guidelines, Age of asset documentation may not be greater than 120 days old at the time of closing. Please provide most recent bank statement prior to closing/note date. Exception remains.<br>Seller Comment (2024-11-21): XX/XXtm: Conditions relating to this have been cleared with access letter provided. Can we get this one cleared too please? | 11/26/2024 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Due to missing a CPA letter indicating withdrawal of business funds will not negatively impact the business OR verification a cash flow analysis was completed to meet FNMA guidance. |  |  |  | Reviewer Comment (2024-11-26): Received CPA meeting the requirement and same updated. Exception cleared.<br>Seller Comment (2024-11-25): XX/XX tm: please see corrected CPA letter in place of unexpired statement for XXXXXXXXXX account. CPA verifies use of business funds from XXXX account will not harm business.<br>Reviewer Comment (2024-11-22): Available bank Statement in file for XXXXXXXXXXXXX is more than 120 days older. Per guidelines, Age of asset documentation may not be greater than 120 days old at the time of closing. Please provide most recent bank statement prior to closing/note date. Exception remains.<br>Seller Comment (2024-11-21): XX/XX tm: Conditions relating to this have been cleared with access letter provided. Can we get this one cleared too please? | 11/26/2024 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/20/2024 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%).). | XXXXX Points and Fees on subject loan of 8.12659% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $XX,XXX on a Original Loan Amount of $XXXXX vs. an allowable total of $15,750.00 and $1000.00. |  |  |  |  |  |  | 08/20/2024 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Assets were not verified and cash out is not sufficient for reserves. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-02): Client elects to waive. Comp factors: FICO XXX; $4,966 residual income; LTV XX%; no prior history of BK or FCL<br>Seller Comment (2024-10-02): Reserves we're disclosed on Bid Tape that XXXXX approved. Please send to XXXXX/Buyer for review. |  |  | 10/02/2024 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXXXX Points and Fees exceed allowable threshold by $3,448.44 or .XX%. |  |  |  |  |  |  | 09/30/2024 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2024-12-11): XXXXX<br>Reviewer Comment (2024-11-27): XXXXX<br>Buyer Comment (2024-11-25): XXXXX<br>Seller Comment (2024-11-21): XXXXX<br>Reviewer Comment (2024-10-04): XXXXX<br>Seller Comment (2024-10-03): XXXXX | 12/11/2024 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined cure C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2024-12-11): XXXXX<br>Reviewer Comment (2024-11-27): XXXXX<br>Buyer Comment (2024-11-25): XXXXX<br>Seller Comment (2024-11-21): XXXXX<br>Reviewer Comment (2024-10-04): XXXXX<br>Seller Comment (2024-10-03): XXXXX | 12/11/2024 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined cure C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXXot received by borrower at least four (4) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2024-12-12): XXXXX<br>Reviewer Comment (2024-11-27): XXXXX<br>Buyer Comment (2024-11-25): XXXXX<br>Seller Comment (2024-11-21): XXXXX<br>Reviewer Comment (2024-10-04): XXXXX<br>Seller Comment (2024-10-03): XXXXX | 12/12/2024 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $179,925.00 is less than the note amount of $XXX,XXX based on the Commitment in file. |  |  |  |  |  |  | 10/03/2024 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2024-12-12): SitusAMC received XX/XX CD 3 business days prior to consummation. | 12/12/2024 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,157.50 exceeds tolerance of $3,083.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was last disclosed as $3,083.00 on Initial closing disclosure but disclosed as $3,157.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include$74.50 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-12-06): Sufficient Cure Provided At Closing |  | 12/06/2024 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 12/06/2024 | 2 B |  | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXXXX point and Fees exceed allowable threshold by $6,930.47 or X%. |  |  |  |  |  |  | 12/06/2024 | 2 B |  | XX | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXXeclared end date. Triggered due to missing appraisal |  |  |  | Reviewer Comment (2024-12-03): XXXXX<br>Seller Comment (2024-12-03): XXXXX | 12/03/2024 |  |  | 1 C A |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | The file was missing a copy of the Initial rate lock document. |  |  |  | Reviewer Comment (2024-12-03): XXXXX | 12/03/2024 |  |  | 1 C A |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-31): XXXXX | 12/31/2024 |  |  | 1 D A |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Triggered due to missing loan application |  |  |  |  |  |  | 11/27/2024 | 2 B |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application | The initial loan application was missing from the loan file. | The file is missing a copy of the initial application document. |  |  |  | Reviewer Comment (2024-12-03): XXXXX | 12/03/2024 |  |  | 1 B A |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $111,590.17 is less than Cash From Borrower $183,037.93. |  |  |  | Reviewer Comment (2024-12-24): XXXXX<br>Reviewer Comment (2024-12-19): XXXXX<br>Reviewer Comment (2024-12-06): XXXXX<br>Reviewer Comment (2024-12-04): XXXXX | 12/24/2024 |  |  | 1 C A |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The file was missing a copy of the appraisal report. |  |  |  | Reviewer Comment (2024-12-03): XXXXX | 12/03/2024 |  |  | 1 D A |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | XXXXX bank statements do not show the account owner and were therefore not included in the available assets. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-14): XXXXX<br>Reviewer Comment (2025-01-09): XXXXX<br>Reviewer Comment (2025-01-06): XXXXX<br>Seller Comment (2025-01-03): XXXXX<br>Reviewer Comment (2024-12-31): XXXXX |  |  | 01/14/2025 | 2 C B |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): XXXXX | 12/05/2024 |  |  | 1 A |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/03/2024 | 2 B |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  | 12/03/2024 | 2 B |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.65019% or Final Disclosure APR of 8.65000% is equal to or greater than the threshold of APOR 6.63% + 1.5%, or 8.13000%. Non-Compliant Higher Priced Mortgage Loan. | Final Disclosure APR of 8.65000% is equal to or greater than the threshold of APOR 6.63% + 1.5%, or 8.13000%. |  |  |  | Reviewer Comment (2025-01-23): XXXXX<br>Seller Comment (2025-01-16): XXXXX | 01/23/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXXXX Points and Fees exceed allowable threshold by $3,440.27 orX%. |  |  |  |  |  |  | 01/15/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank XXXXX): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2025-01-22): XXXXX<br>Seller Comment (2025-01-16): XXXXX |  |  | 01/22/2025 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-01-23): XXXXX<br>Reviewer Comment (2025-01-17): XXXXX<br>Seller Comment (2025-01-16): XXXXX | 01/23/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 01/17/2025 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-01-29): XXXXX<br>Reviewer Comment (2025-01-23): XXXXX |  |  | 01/29/2025 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-01-28): XXXXX<br>Seller Comment (2025-01-27): XXXXX | 01/28/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA disaster area that does not have a declared end date. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be inspected. The appraisal was performed prior to the FEMA declaration start date. |  |  |  | Reviewer Comment (2025-03-24): Received Post Disaster inspection report, inspection date updated and document associated. Exception is cleared.<br>Seller Comment (2025-03-24): Please see attached. | 03/24/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/14/2025 | 2 B |  | XX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 02/14/2025 | 2 B |  | XX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement for the subject property was not provided to the borrower. |  |  |  | Reviewer Comment (2025-02-10): XXXXX<br>Seller Comment (2025-02-07): XXXXX | 02/10/2025 |  |  | 1 B A |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-31): XXXXX |  | 01/31/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXXXX Points and Fees exceed allowable threshold by $13,646.51 or X%. |  |  |  |  |  |  | 02/04/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $15,754.06 or X%. |  |  |  |  |  |  | 03/11/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,372.50 exceeds tolerance of $1,225.00 plus 10% or $1,347.50. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $1,372.50 exceeds tolerance of $1,225.00 plus 10% or $1,347.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-07): Sufficient Cure Provided At Closing |  | 03/07/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. |  |  |  | Reviewer Comment (2025-04-29): XXXXX<br>Seller Comment (2025-04-29): XXXXX<br>Reviewer Comment (2025-04-14): XXXXX<br>Seller Comment (2025-04-14): XXXXX | 04/29/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $6,226.67 or .X%. |  |  |  |  |  |  | 03/20/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $505.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $505.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-18): Sufficient Cure Provided At Closing |  | 03/18/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | XXXXXXXXXXXXXX - Mortgage Statement is missing. |  |  |  | Reviewer Comment (2025-05-19): Mortgage statement provided showing T&I is escrowed. Exception cleared.<br>Seller Comment (2025-05-19): 5/19 tm: attached shows the taxes and insurance are escrowed<br>Seller Comment (2025-05-14): X/XX TM: UWM acknowledges that the REO HOI policy has not been provided but is asking to proceed with an estimate only based on minimal risk of not obtaining the policy. The borrower's monthly income is over $3,000,000 and the effect of the REO HOI on DTI is extremely small, even when estimating a monthly cost of $1,000. The borrower's current DTI without REO taxes or insurance included is only X.XX%. With the REO monthly taxes included, the DTI only increases to X.XX%. | 05/19/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $66.36 or .X%. |  |  |  |  |  |  | 04/04/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $145.00 exceeds tolerance of $125.00 plus 10% or $137.50. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $145.00 exceeds tolerance of $125.00 plus 10% or $137.50. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-03): Sufficient Cure Provided At Closing |  | 04/03/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $590.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $590.00 exceeds tolerance of $575.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-03): Sufficient Cure Provided At Closing |  | 04/03/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower |  |  |  | Reviewer Comment (2025-04-03): Sufficient Cure Provided At Closing |  | 04/03/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $199.85 exceeds tolerance of $190.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $199.85 exceeds tolerance of $190.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-03): Sufficient Cure Provided At Closing |  | 04/03/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 04/14/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-18): Sufficient Cure Provided At Closing |  | 04/18/2025 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $212.95 or .X%. |  |  |  |  |  |  | 04/14/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | XXXXXXXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  | Reviewer Comment (2025-04-16): Client elects to waive. |  |  | 04/16/2025 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | State Compliance | State HPML | XXXXXXXXX HPML Threshold Test Non-Compliant | XXXXXXXXX Higher-Priced Mortgage Loan: APR on subject loan of 9.90891% or Final Disclosure APR of 9.92100% is equal to or greater than the threshold of APOR 6.65% + 1.5%, or 8.15000%. Non-Compliant Higher Priced Loan. | APR on subject loan of 9.90891% or Final Disclosure APR of 9.92100% is equal to or greater than the threshold of APOR 6.65% + 1.5%, or 8.15000%. Non-Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2025-04-16): Client elects to waive. |  |  | 04/16/2025 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-128.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-128.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-11): SitusAMC received LOX fro rebuttal response lieu of valid Changed circumstance. | 04/11/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,189.52 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $2,189.52, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. H-8 |  |  |  | Reviewer Comment (2025-04-11): SitusAMC received LOX fro rebuttal response lieu of valid Changed circumstance. | 04/11/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 03/24/2025 | 2 B |  | XX | Primary | Refinance - Rate/Term | C A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.94998% or Final Disclosure APR of 6.96000% is equal to or greater than the threshold of APOR 2.91% + 1.5%, or 4.41000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Rate/Term | C A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Rate/Term | C A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). |  |  |  |  |  |  |  | 03/24/2025 | 2 B |  | XX | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C A | Non QM | ATR Risk | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $850.00. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Risk | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  |  |  |  |  | 3 C |  | XX | Primary | Refinance - Rate/Term | C A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  |  |  |  |  |  |  |  |  | 3 C |  | XX | Primary | Refinance - Rate/Term | C A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  |  |  |  |  |  |  |  |  | 3 C |  | XX | Primary | Refinance - Rate/Term | C A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  |  |  |  | 3 B C |  | XX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  |  |  |  |  |  | 3 C |  | XX | Primary | Refinance - Rate/Term | C A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  |  |  |  |  | 3 C |  | XX | Primary | Refinance - Rate/Term | C A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient Cure provided at Closing. |  |  |  | Reviewer Comment (2025-04-01): Sufficient Cure Provided At Closing |  | 04/01/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 06/02/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | File is missing a copy of Initial Rate Lock Date document. |  |  |  |  |  |  | 05/07/2025 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $2,062.44 or .X%. |  |  |  |  |  |  | 05/07/2025 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report is missing. |  |  |  | Reviewer Comment (2025-05-20): Received credit report for borrower, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-05-19): (Rate Lock) uploaded credit report<br>Reviewer Comment (2025-05-14): Provided credit report is not acceptable as it does not reflect data sources score information section (FICO Scores), Credit summary and liability details. Please provide credit report with all details. Exception remains. | 05/20/2025 |  |  | 1 D A |  | XX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | File is missing a copy of Initial Rate Lock Date document. |  |  |  | Reviewer Comment (2025-05-14): Received and associated Rate Lock Confirmation document. Exception is cleared. | 05/14/2025 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 06/09/2025 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 06/09/2025 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 06/19/2025 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $4,508.84 or .X%. |  |  |  |  |  |  | 06/19/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $191.00 exceeds tolerance of $70.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-06-17): Sufficient Cure Provided At Closing |  | 06/17/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-24): Client elects to waive.<br>Reviewer Comment (2025-06-19): Client to review. EV2 compliant HPML. |  |  | 06/24/2025 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Lender used Supplemental Income from borrower paystubs to qualify, however a two year history of receiving the income was not provided. |  |  |  | Reviewer Comment (2025-06-26): Received supporting documents to verify the two year history of supplemental income. Exception Cleared.<br>Seller Comment (2025-06-25): VOE and Income Calculation Notes (p3) | 06/26/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-30): Received supporting documents to verify the two year history of supplemental income. Exception Cleared.<br>Seller Comment (2025-06-27): VOE and Income Calc notes | 06/30/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to missing income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-30): Received supporting documents to verify the two year history of supplemental income. Exception Cleared.<br>Seller Comment (2025-06-27): VOE and Income Calc notes | 06/30/2025 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $5,388.11 or X%. |  |  |  |  |  |  | 06/06/2025 | 2 B |  | XX | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Guidelines require CPA letter if funds from business account to be used for closing and/or reserves. Please provide signed and dated letter from CPA letter prior to note date confirming A) Borrower is 100% owner of the Business and B) that the use of business funds in this transaction will not negatively impact the business Or please provide Cash Flow Analysis. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-17): Client elects to waive. Comp factors: SE 17yrs, homeowner 8yrs, 24k in residual income<br>Seller Comment (2025-06-11): X/XXtm: GS purXXXXXX criteria allows for either a CPA letter or a cash flow analysis meeting FNMA guidance. A balance sheet was provided confirming current assets are greater than current liabilities and the operating agreement confirms the borrower is the only member. A balance sheet is acceptable for XXX guidelines to provide liquidity, allowing the borrower full use of business assets for cash to close.<br>Reviewer Comment (2025-06-10): Balance sheet is not an acceptable document in lieu of CPA letter for business XXXXXXXXX. As per guidelines, Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis) may be used for down payment and reserves. Exception Remains.<br>Seller Comment (2025-06-09): X/XX tm: GS purXXXXXX criteria allows for either a CPA letter or a cash flow analysis meeting FNMA guidance. A balance sheet was provided confirming current assets are greater than current liabilities and the operating agreement confirms the borrower is the only member. Please escalate to buyer if exception is not cleared. |  |  | 06/17/2025 | 2 C B |  | XX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $0.00 are insufficient to meet cash to close of $59,349.61 Final 1008 reflects $250,245.73 verified, however, Guidelines require CPA letter if funds from business account to be used for closing and/or reserves. Please provide signed and dated letter from CPA letter prior to note date confirming A) Borrower is 100% owner of the Business and B) that the use of business funds in this transaction will not negatively impact the business Or please provide Cash Flow Analysis. |  |  |  | Reviewer Comment (2025-06-17): GS waived exception for missing CPA letter. Exception cleared.<br>Seller Comment (2025-06-11): X/XXtm: GS purXXXXXX criteria allows for either a CPA letter or a cash flow analysis meeting FNMA guidance. A balance sheet was provided confirming current assets are greater than current liabilities and the operating agreement confirms the borrower is the only member. A balance sheet is acceptable for XXX guidelines to provide liquidity, allowing the borrower full use of business assets for cash to close.<br>Reviewer Comment (2025-06-10): Balance sheet is not an acceptable document in lieu of CPA letter for business XXXXXXXXX. As per guidelines, Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis) may be used for down payment and reserves. Exception Remains.<br>Seller Comment (2025-06-09): X/XX tm: GS purXXXXXX criteria allows for either a CPA letter or a cash flow analysis meeting FNMA guidance. A balance sheet was provided confirming current assets are greater than current liabilities and the operating agreement confirms the borrower is the only member. Please escalate to buyer if exception is not cleared. | 06/17/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Verified liquid assets in the amount of $0.00 are insufficient to meet reserves requirements of $16,695.00 Final 1008 reflects $250,245.73 verified, however, Guidelines require CPA letter if funds from business account to be used for closing and/or reserves. Please provide signed and dated letter from CPA letter prior to note date confirming A) Borrower is 100% owner of the Business and B) that the use of business funds in this transaction will not negatively impact the business Or please provide Cash Flow Analysis. |  |  |  | Reviewer Comment (2025-06-17): GS waived exception for missing CPA letter. Exception cleared.<br>Seller Comment (2025-06-11): X/XXtm: GS purXXXXXX criteria allows for either a CPA letter or a cash flow analysis meeting FNMA guidance. A balance sheet was provided confirming current assets are greater than current liabilities and the operating agreement confirms the borrower is the only member. A balance sheet is acceptable for XXX guidelines to provide liquidity, allowing the borrower full use of business assets for cash to close.<br>Reviewer Comment (2025-06-10): Balance sheet is not an acceptable document in lieu of CPA letter for business XXXXXXXXX. As per guidelines, Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis) may be used for down payment and reserves. Exception Remains.<br>Seller Comment (2025-06-09): X/XX tm: GS purXXXXXX criteria allows for either a CPA letter or a cash flow analysis meeting FNMA guidance. A balance sheet was provided confirming current assets are greater than current liabilities and the operating agreement confirms the borrower is the only member. Please escalate to buyer if exception is not cleared. | 06/17/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. |  |  |  | Reviewer Comment (2025-06-20): Received previouse year Hazard Insurance Policy, which is active at loan closing, verified and updated the details. Exception Cleared. | 06/20/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis. |  |  |  | Reviewer Comment (2025-06-26): Received Cash flow analysis for using business funds and same verified and associated as required. Exception cleared.<br>Seller Comment (2025-06-25): Attached is the cash flow analysis. We have sufficient assets in the loan file with using the business funds that support liquidity. | 06/26/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $22,323.12 exceeds tolerance of $22,129.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $22,129.00 on LE but disclosed as $22,323.12 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $194.12, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-27): SitusAMC received valid Changed circumstance.<br>Seller Comment (2025-06-25): Please see CD with CIC | 06/27/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $70.00 exceeds tolerance of $35.00. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $35.00 on LE but disclosed as $70.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $35.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-27): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-25): Lender Credit at bottom of page 2 of final CD is in the amount of $135.00. This consists of a cure for the Appraisal Rush Fee $100.00 and $35.00 increase in Credit report | 06/27/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Appraisal Copy/Rush Fee was not disclosed on LE but disclosed as $100.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $100.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-27): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-25): Lender Credit at bottom of page 2 of final CD is in the amount of $135.00. This consists of a cure for the Appraisal Rush Fee $100.00 and $35.00 increase in Credit report | 06/27/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $204,264.80 is less than Cash From Borrower $272,248.23. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis. |  |  |  | Reviewer Comment (2025-06-26): Received Cash flow analysis for using business funds and same verified and associated as required. Exception cleared.<br>Seller Comment (2025-06-25): Attached is the cash flow analysis. We have sufficient assets in the loan file with using the business funds that support liquidity. | 06/26/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 9.00. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis. |  |  |  | Reviewer Comment (2025-06-26): Received Cash flow analysis for using business funds and same verified and associated as required in order to meet reserve requirement. Exception cleared.<br>Seller Comment (2025-06-25): Attached is the cash flow analysis. We have sufficient assets in the loan file with using the business funds that support liquidity. | 06/26/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-30): Received Cash flow analysis for using business funds and same verified and associated as required. Exception cleared.<br>Seller Comment (2025-06-27): All ATR specific exceptions have been cured/cleared. | 06/30/2025 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-30): Received Cash flow analysis for using business funds and same verified and associated as required. Exception cleared.<br>Seller Comment (2025-06-27): All ATR specific exceptions have been cured/cleared. | 06/30/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $70.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-27): Sufficient Cure Provided At Closing |  | 06/27/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-27): Sufficient Cure Provided At Closing |  | 06/27/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $6,954.53 or .X%. |  |  |  |  |  |  | 06/25/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Access to fund is missing from file. |  |  |  | Reviewer Comment (2025-06-06): Received and associated CPA letter evidencing purXXXXXX of the home will not affect the borrowers financial stability. Exception is cleared.<br>Seller Comment (2025-06-05): 6/5 TT: please see attached CPA letter confirming that the purXXXXXX of the home will not affect the borrower's financial stability, meaning that their business would not be harmed | 06/06/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $1,000.00 is less than Cash From Borrower $20,314.75. File is missing a CPA letter indicating withdrawal of business funds will not negatively impact the business OR verification a cash flow analysis was completed to meet FNMA guidance. |  |  |  | Reviewer Comment (2025-06-06): Received and associated CPA letter evidencing purXXXXXX of the home will not affect the borrowers financial stability. Sufficient funds available for closing/reserves. Exception is cleared.<br>Seller Comment (2025-06-05): 6/5 TT: please see attached CPA letter confirming that the purXXXXXX of the home will not affect the borrower's financial stability, meaning that their business would not be harmed | 06/06/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. File is missing a CPA letter indicating withdrawal of business funds will not negatively impact the business OR verification a cash flow analysis was completed to meet FNMA guidance. |  |  |  | Reviewer Comment (2025-06-06): Received and associated CPA letter evidencing purXXXXXX of the home will not affect the borrowers financial stability. Sufficient funds available for closing/reserves. Exception is cleared.<br>Seller Comment (2025-06-05): 6/5 TT: please see attached CPA letter confirming that the purXXXXXX of the home will not affect the borrower's financial stability, meaning that their business would not be harmed | 06/06/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 06/11/2025 | 2 B |  | XX | Primary | Purchase | D B A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,398.33 exceeds tolerance of $5,130.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $5,130.00 on LE but disclosed as $5,398.33 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $268.33, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-17): SitusAMC Received Valid COC dated 0X/XX/XXXX.<br>Seller Comment (2025-06-16): COC | 06/17/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-06-16): Received CDA verified and updated the details. Exception Cleared.<br>Seller Comment (2025-06-16): CDA | 06/16/2025 |  |  | 1 D A |  | XX | Primary | Purchase | D B A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/27/2025 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  | Reviewer Comment (2025-05-29): Disclosure provided to borrower at application was provided.<br>Seller Comment (2025-05-28): ARM disclosure | 05/29/2025 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 06/18/2025 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 06/18/2025 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis. |  |  |  | Reviewer Comment (2025-06-18): Received cash-flow analysis document covering 3 months for borrower business funds. Exception Cleared.<br>Seller Comment (2025-06-18): X/XX MM: Are you able to clear this condition for me please? Since Received cash-flow analysis document covering 3 months for borrower business funds. Exception Cleared. | 06/18/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 06/16/2025 | 2 B |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis. |  |  |  | Reviewer Comment (2025-06-18): Received cash-flow analysis document covering 3 months for borrower business funds. Exception Cleared.<br>Seller Comment (2025-06-18): MM: The XXX Mac guidelines do not explicitly state that a CPA letter is required to confirm the use of business assets for closing or reserves will not have an adverse effect on the business. Instead, they require the Seller to determine that the withdrawal of funds will not have a detrimental effect on the business. This determination can be made through a review and analysis of personal and business tax returns, current financial statements, and/or the last three months of business bank statements to confirm the deposits, withdrawals, and balances are supportive of a viable business and aligned with the level and type of income and expenses reported on the business tax returns. The factors contributing to this determination must be included in the Seller's written analysis of the income source and amount. <br>I was able to determine the health of the business, with the following method below when income from the business is being used to qualify. The ONLY reason to perform these tests is to prove the business will not be negatively impacted by 0qusing business funds in the loan transaction | 06/18/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $24,526.31. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis. |  |  |  | Reviewer Comment (2025-06-18): Received cash-flow analysis document covering 3 months for borrower business funds. Exception Cleared.<br>Seller Comment (2025-06-18): X/XX MM: Are you able to clear this condition for me please? Since Received cash-flow analysis document covering 3 months for borrower business funds. Exception Cleared. | 06/18/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.30162% or Final Disclosure APR of 10.30200% is equal to or greater than the threshold of APOR 6.87% + 1.5%, or 8.37000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 10.30162% or Final Disclosure APR of 10.30200% is equal to or greater than the threshold of APOR 6.87% + 1.5%, or 8.37000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-06-18): Received prior appraisal report there was no change in the value. Exception Cleared.<br>Seller Comment (2025-06-11): Disagree - Our Contract states that GS will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on X.XX. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant | 06/18/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-06-11): Received prior appraisal report there was no change in the value. Exception Cleared.<br>Seller Comment (2025-06-11): Disagree - Our Contract states that GS will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on X.XX. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant | 06/11/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $369.44 or .X%. |  |  |  |  |  |  | 06/10/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00. on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. |  |  |  | Reviewer Comment (2025-06-06): Sufficient Cure Provided At Closing |  | 06/06/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. |  |  |  |  |  |  | 06/11/2025 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-06-18): Client elects to waive<br>Reviewer Comment (2025-06-18): Client to review.<br>Seller Comment (2025-06-12): XX X/XX: Please see the attached Appraisal Delivery |  |  | 06/18/2025 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $00.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $123.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-16): Sufficient Cure Provided At Closing |  | 06/16/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $101.60 exceeds tolerance of $78.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $78.00 on LE but disclosed as $101.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $78.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-16): Sufficient Cure Provided At Closing |  | 06/16/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.46539% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $XX,XXXon a Original Loan Amount of $XXX,XXX vs. an allowable total of $XX,XXX and $1000.00 (2025) (an overage of $959.87 or .XX%). | XXX Points and Fees exceed allowable threshold by $959.87 or .X%. |  |  |  |  |  |  | 06/26/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | XXXXXXXXXXXXXX Statement is missing. |  |  |  | Reviewer Comment (2025-07-01): Received tax and insurance documents for REO #XXXXXXXXX, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-06-30): X/XX XX: Thank you for the heads up on this and please see attached for the HOI and Taxes on the borrower's REO<br>Reviewer Comment (2025-06-30): Received Closing disclosure document for REO #XXXXXXXXX, However with provided CD only P&I can verify. Please provide tax and insurance document. Exception Remains.<br>Seller Comment (2025-06-27): X/XX XX: please see attached | 07/01/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 06/26/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $772.94 or X%. |  |  |  |  |  |  | 06/23/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $50.00on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $123.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-19): Sufficient Cure Provided At Closing |  | 06/19/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 06/23/2025 | 2 B |  | XX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 06/23/2025 | 2 B |  | XX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 06/18/2025 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $1,490.77 or X%. |  |  |  |  |  |  | 06/18/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $302.67 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $302.67, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-17): Sufficient Cure Provided At Closing |  | 06/17/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 06/26/2025 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | XXX Points and Fees exceed allowable threshold by $73,849.85 or X%. |  |  |  |  |  |  | 06/26/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $200. on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. |  |  |  | Reviewer Comment (2025-06-24): Sufficient Cure Provided At Closing |  | 06/24/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-02-05): Received CDA. Exception cleared<br>Buyer Comment (2025-02-05): CDA | 02/05/2025 |  |  | 1 D A |  | XX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of $200.00 exceeds tolerance of $175.00. Insufficient or no cure was provided to the borrower. | Title Examination Fee was disclosed as $175 on Initial LE and $200 on Final CD. File does not contain a valid COC for this fee, evidence of cure not provided in file. |  |  |  | Reviewer Comment (2025-02-14): SitusAMC received addendum to LE dated XX/XX/XXXX<br>Buyer Comment (2025-02-13): Addendum of additional charges<br>Reviewer Comment (2025-02-10): SitusAMC received rebuttal comment. However, LE dated XX/XX/XXXX section C indicates that Additional Charges 311 and addendum page for the additional charges split up is missing. Provide addendum page with split up amount for the amount of $311 in order to reevaluate and re-baseline this exception.<br>Buyer Comment (2025-02-06): #1) Title Examination Fee is NOT a 0% tolerance fee. #2) Title Examination Fee would only be a 10% tolerance fee if we disclosed the Title company on the SSPL which we did not. That makes this fee a no tolerance fee. It can change without tolerance. Please remove this condition | 02/14/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan was agency approved with an Originator Loan Designation of (NON-QM) required per Investor Guidelines was not provided causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2025-02-25): Investor accepts insufficient reserves and agrees to waive with compensating factors. | 02/25/2025 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves |  |  |  | Reviewer Comment (2025-02-25): Investor accepts insufficient reserves and agrees to waive with compensating factors. | 02/25/2025 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Insufficient reserves | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purXXXXXX transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | XXX VS XXX | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-25): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-02-25): Exception from GS. |  |  | 02/25/2025 | 2 C B |  | XX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Note has a Prepayment Penalty provision, which is not allowable per guidelines. |  | Prepayment calculation type does not meet program requirements. Please provide corrected prepayment documentation using program approved prepayment calculation types provided in section 15.50 of the program guide. Please provide corrected, executed prepayment addendum, rider, and letter of intent to re-record. Please provide corrected PCCD with updated prepayment calculations if applicable. Prepayment Balance Allowance of 20% not allowed per guide. MaxEx to confirm acceptable as is. |  |  |  | Reviewer Comment (2025-05-30): Accepted.<br>Buyer Comment (2025-05-30): Please clear. The structure identified does meet MAXEX updated guidelines | 05/30/2025 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC search for borrower "XXXXXXXXXXXnot available. Fraud report OFAC status show as Fail. |  |  |  | Reviewer Comment (2025-06-02): OFAC provided.<br>Buyer Comment (2025-06-02): Ofac | 06/02/2025 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Require verification of mortgage for REO i) XXXXXXXXXXX2) " XXXXXXXXXXX 3) XXXXXXXXXXX 4) XXXXXXXXXXX 5) " XXXXXXXXXXX " XXXXXXXXXXX 6) " XXXXXXXXXXX" 7) XXXXXXXXXXX" 8) " XXXXXXXXXXX 8) " XXXXXXXXXXX". Credit report not provided in file. |  |  |  | Reviewer Comment (2025-06-02): History provided on the bank statements.<br>Buyer Comment (2025-06-02): All payment listed on bank statements for March and april. See Page 179 XXXX<br> Page 178 XXXX<br> Page 185 XXXX<br> Page 184 XXXX<br>Reviewer Comment (2025-05-30): Received Credit report however all open Mortgage verified till XX/XX or XX/XX. Require all open mortgage verification till XX/XXmonth prior to closing per guideline Requirement.<br>Buyer Comment (2025-05-29): see credit report | 06/02/2025 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Require LOE with source of funds for the Deposit dated XX/XX/XXXX $15,140. Require borrower name on page 1 of XXXXXXXXXXX Account xxxx XXXX. |  |  |  | Reviewer Comment (2025-06-02): Source of funds for the $15,140 provided. Cleared.<br>Reviewer Comment (2025-05-30): Received Source of $15,140, however require source of Large Deposit of $161,412.92 and $143,993.99 received from the XXXX. No source provided in the file<br>Buyer Comment (2025-05-29): XXXX XXXX April statement with borrower's name.<br>Buyer Comment (2025-05-29): LOE deposits | 06/02/2025 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Borrower Credit Report missing in file. |  |  |  | Reviewer Comment (2025-05-30): Received Credit report for borrower. Exception Cleared<br>Buyer Comment (2025-05-29): credit report | 05/30/2025 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-06-04): Received CDA. Exception Cleared<br>Buyer Comment (2025-06-03): CDA | 06/04/2025 |  |  | 1 D A |  | XX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Minimum of 600 square feet of gross living area required per company guidelines. |  | Property is ineligible due to square footage below 600 SQ FT. 1004 reflects subject square footage is 515 SQ FT. | Borrower has owned the subject property for at least 5 years. |  | SitusAMC | Reviewer Comment (2025-05-29): Investor approval provided.<br>Buyer Comment (2025-05-28): investor exception approval |  |  | 05/29/2025 | 2 B |  | XX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-06-12): CDA provided.<br>Buyer Comment (2025-06-12): Provided CDA | 06/12/2025 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Deposit receipt is missing in file for Gift funds of $56,000.00 |  |  |  | Reviewer Comment (2025-06-16): Received deposit receipt exception cleared.<br>Buyer Comment (2025-06-13): EM receipt | 06/16/2025 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing |  |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | 06/09/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Please provide a legible income worksheet for bank statement income. |  |  |  | Reviewer Comment (2025-06-18): Income worksheet provided<br>Reviewer Comment (2025-06-16): 1084 provided is not legible income worksheet. exception remains.<br>Buyer Comment (2025-06-13): Legible income calc | 06/18/2025 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | income calculation differs from Lender. Please provide a legible income worksheet |  |  |  | Reviewer Comment (2025-06-18): Income worksheet provided | 06/18/2025 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-18): Income worksheet provided | 06/18/2025 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-03-11): XXXXX |  |  | 03/11/2025 | 2 B |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Assets held in stocks and no proof of liquidation provided. |  |  |  | Reviewer Comment (2025-03-03): XXXXX<br>Buyer Comment (2025-03-03): XXXXX | 03/03/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Require additional assets to meet funds required for closing/reserves per guide |  |  |  | Reviewer Comment (2025-03-03): XXXXX<br>Buyer Comment (2025-03-03): XXXXX | 03/03/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Certificate is missing in file for subject property, provided tax certificate does not match with Final 1003, first payment letter. |  |  |  | Reviewer Comment (2025-07-01): Received Tax calculation worksheet, Lender used 1.5% of appraisal value as per Guideline since property is newly construction. $XXX,XXX\*1.5=$XXXX/XX=$XXXZ. Exception cleared<br>Buyer Comment (2025-06-30): Tax calc based on sales price | 07/01/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | Closing Protection Letter is missing in file. |  |  |  | Reviewer Comment (2025-06-18): Received Closing Protection Letter and uploaded accordingly. Exception Cleared.<br>Buyer Comment (2025-06-18): CPL | 06/18/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard premium amount $3,38812 is reflecting in insurance email document which is not matching with Final 1003, First payment letter and Final CD, however $2,592.47/12= $216.03 is updated as per Final 1003, First payment letter and Final CD. |  |  |  | Reviewer Comment (2025-06-26): Cleared the HOI. Setting new exception for the taxes<br>Reviewer Comment (2025-06-26): HOI provided. Lenders tax amount and the tax cert differences need to be addressed. Tax cert $X,XXXannually, lenders calc $XXX.<br>Buyer Comment (2025-06-26): updated payment letter, ins policy and IEAD uploaded | 06/26/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Taxes: Subject property taxes not documented |  | The taxes on the tax cert are $5,568.00 annually and the lender is using $957.96. The CD and first payment letter provided show $79.83/mo. Lender needs to address this discrepancy. |  |  |  | Reviewer Comment (2025-06-27): LOE and tax information provided.<br>Buyer Comment (2025-06-26): tax info and LOE for tax amount used | 06/27/2025 |  |  | 1 A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence appraisal received at least 3 business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-30): Client elects to waive. |  |  | 06/30/2025 | 2 B |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Reviewer Comment (2025-06-30): Client elects to waive. |  |  | 06/30/2025 | 2 B |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purXXXXXX transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-30): Waived with comp factors per investor request. |  |  | 06/30/2025 | 2 C B |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-30): Client elects to waive. |  |  | 06/30/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application - Signed and Dated | The initial loan application was not signed and dated. | Initial loan application is missing in file. |  |  |  | Reviewer Comment (2025-06-30): Client elects to waive. |  |  | 06/30/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  | Patriot Act Disclosure is missing in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-30): Waived with comp factors per investor request. |  |  | 06/30/2025 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The Initial Application was not signed and dated by the borrower, co-borrowers, and the lender. |  | Initial loan application is missing in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-30): Waived with comp factors per investor request. |  |  | 06/30/2025 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2025-06-30): Client elects to waive. |  |  | 06/30/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Right to Receive a Copy of appraisal is missing. |  |  |  | Reviewer Comment (2025-06-30): Client elects to waive. |  |  | 06/30/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application - Signed and Dated | The initial loan application was not signed and dated. | Initial Application signed and dated by the borrower is missing. |  |  |  | Reviewer Comment (2025-06-30): Client elects to waive. |  |  | 06/30/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The Initial Application was not signed and dated by the borrower, co-borrowers, and the lender. |  | Initial Application signed and dated by the borrower is missing. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-30): Waived with comp factors per investor request. |  |  | 06/30/2025 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  | Patriot Act Disclosure is missing | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-30): Waived with comp factors per investor request. |  |  | 06/30/2025 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Right to Receive a Copy of appraisal is missing. |  |  |  | Reviewer Comment (2025-06-30): Client elects to waive. |  |  | 06/30/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application - Signed and Dated | The initial loan application was not signed and dated. | Initial Application signed and dated by the borrower is missing. |  |  |  | Reviewer Comment (2025-06-30): Client elects to waive. |  |  | 06/30/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The Initial Application was not signed and dated by the borrower, co-borrowers, and the lender. |  | Initial Application signed and dated by the borrower is missing. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-30): Waived with comp factors per investor request. |  |  | 06/30/2025 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  | Patriot Act Disclosure is missing | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-30): Waived with comp factors per investor request. |  |  | 06/30/2025 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence that borrower received a copy of appraisal 3 business days to closing. |  |  |  | Reviewer Comment (2025-06-30): Client elects to waive. |  |  | 06/30/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Right to Receive a Copy of appraisal is missing. |  |  |  | Reviewer Comment (2025-06-30): Client elects to waive. |  |  | 06/30/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application - Signed and Dated | The initial loan application was not signed and dated. | Initial Application signed and dated by the borrower is missing. |  |  |  | Reviewer Comment (2025-06-30): Client elects to waive. |  |  | 06/30/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The Initial Application was not signed and dated by the borrower, co-borrowers, and the lender. |  | Initial Application signed and dated by the borrower is missing. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-30): Waived with comp factors per investor request. |  |  | 06/30/2025 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  | Patriot Act Disclosure is missing | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-30): Waived with comp factors per investor request. |  |  | 06/30/2025 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy for the subject property is missing in file. |  |  |  | Reviewer Comment (2025-03-21): Hazard Insurance Policy received. Exception Cleared<br>Buyer Comment (2025-03-20): Evidence of Insurance.<br>Reviewer Comment (2025-03-18): Received HOI policy however 1st Page is Partially imaged. Unable to Verify Terms like coverage, XXXX etc. Exception Remains<br>Buyer Comment (2025-03-17): HOI | 03/21/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - 3% Points and Fees | XXX XXXXX 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX,XXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $X,XXX (an overage of $X,XXX or X.XX%). | Points and Fees on subject loan of X% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. EV2 informational exception. |  |  |  | Buyer Comment (2025-03-14): Acknowledged as non-material. |  |  | 03/14/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-02-19): Cleared with final title | 02/19/2026 |  |  | 1 A |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $450,000.00 is less than the note amount of $XXX,XXX based on the Commitment in file. |  |  |  | Reviewer Comment (2026-02-19): Cleared with final title | 02/19/2026 |  |  | 1 B A |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2026-02-19): Cleared with final title | 02/19/2026 |  |  | 1 B A |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-02-19): Cleared with final title | 02/19/2026 |  |  | 1 A |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | The Final Title Policy Amount of $250,000.00 is less than the note amount of $XXX,XXX based on the Final in file. |  |  |  | Reviewer Comment (2026-02-20): Cleared with updated title | 02/20/2026 |  |  | 1 A |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Secondary valuation is not provided |  |  |  | Reviewer Comment (2026-02-18): Cleared with BPO | 02/18/2026 |  |  | 1 D A |  | XX | Investment | Purchase | D A C |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | All loans must have a second appraisal, XXXXXXXXXXXCDA, Proteck ARR or equivalent product or field review evidencing a reasonable appraisal value. |  |  |  | Reviewer Comment (2026-02-18): Cleared with BPO | 02/18/2026 |  |  | 1 C A |  | XX | Investment | Purchase | D A C |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 06/03/2025 | 2 B |  | XX | Investment | Purchase | D B C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | The file is missing a copy of the secondary [redacted] required for securitization purposes. |  |  |  | Reviewer Comment (2025-06-16): Received CDA. Exception cleared.<br>Reviewer Comment (2025-06-05): Per guidelines [redacted] Loan amounts < [redacted] require a secondary valuation product. Secondary valuation must be within [redacted]% tolerance of appraised value. Acceptable products are: CDA or Enhanced Desk Review OR Field Review OR A 2nd full [redacted]. Exception Remains.<br>Seller Comment (2025-06-05): [redacted] AVM is acceptable secondary valuation<br>Reviewer Comment (2025-06-04): Provided AVM for secondary valuation is not an acceptable, Per guidelines [redacted]. Loan amounts < [redacted] require a secondary valuation product. Secondary valuation must be within [redacted] tolerance of appraised value. Acceptable products are: CDA or Enhanced Desk Review OR Field Review OR A 2nd full [redacted]. Exception Remains. | 06/16/2025 |  |  | 1 D A |  | XX | Investment | Purchase | D B C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Provide updated policy reflecting minimum coverage of $[redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. A copy of the checklist of coverage is acceptable. |  |  |  | Reviewer Comment (2025-06-04): Received document confirms that [redacted]% replacement cost, verified and updated the details. Exception Cleared. | 06/04/2025 |  |  | 1 C A |  | XX | Investment | Purchase | D B C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Calculated loan to value percentage of [redacted]% exceeds Guideline loan to value percentage of [redacted]%. |  |  |  | Reviewer Comment (2025-06-04): Per guidelines [redacted]. Borrower is foreign nationals hence max LTV of [redacted] and assume FICO is[redacted]. Exception Cleared.<br>Seller Comment (2025-06-04): [redacted] [redacted] LTV is acceptable for fn [redacted]loans | 06/04/2025 |  |  | 1 C A |  | XX | Investment | Purchase | D B C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Calculated combined loan to value percentage of [redacted]% exceeds Guideline combined loan to value percentage of [redacted]%. |  |  |  | Reviewer Comment (2025-06-04): Per guidelines [redacted]. Borrower is foreign nationals hence max LTV of [redacted] and assume FICO is [redacted]. Exception Cleared.<br>Seller Comment (2025-06-04): [redacted] [redacted] LTV is acceptable for fn [redacted] loans | 06/04/2025 |  |  | 1 C A |  | XX | Investment | Purchase | D B C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Lender approval not provided. |  |  |  | Reviewer Comment (2025-06-04): Received Loan approval document, verified and updated the details. Exception Cleared. | 06/04/2025 |  |  | 1 C A |  | XX | Investment | Purchase | D B C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [redacted] Days |  |  |  | Reviewer Comment (2025-06-16): Received CDA. Exception cleared.<br>Reviewer Comment (2025-06-11): Valuation Received - [redacted] | 06/16/2025 |  |  | 1 A |  | XX | Investment | Purchase | D B C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Assumed FICO for foreign national is [redacted], which does not meet the minimum FICO score required under [redacted] program for a loan with an LTV of [redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purXXXXXX transaction of at least [redacted]% and $[redacted]. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-24): Client elects to waive. Comp factors: [redacted] reserves, owned primary for [redacted], credit reference shows unsecured LOC paid as agreed and open [redacted] |  |  | 06/24/2025 | 2 B |  | XX | Investment | Purchase | D B C A |  | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is [redacted], and not a [redacted]. | Title Evidence: ___ | Title Evidence: Preliminary |  |  |  |  | 06/29/2022 |  |  | 1 A |  | XX | Investment | Purchase | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Updated [redacted] is required for [redacted] Bank Account Number ending [redacted] and [redacted] Bank Account Number ending [redacted] . It is not indicated in the Final [redacted] in file. |  |  |  | Reviewer Comment (2022-06-29): Lender verified that the accounts in question were not used to qualify the reserves/down payment. Accounts have been removed from the analysis. Exception cleared.<br>Buyer Comment (2022-06-29): Bank accounts referenced were not used to qualify BWR. Sufficient Reserves without additional assets. | 06/29/2022 |  |  | 1 C A |  | XX | Investment | Purchase | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing Paystubs. |  |  |  | Reviewer Comment (2022-06-29): Per guideline 6.2.1 (b), a foreign citizen may provide a letter from his/her employer in lieu of paystubs to qualify the income. The letter provided by the lender is in the correct format. Exception cleared.<br>Buyer Comment (2022-06-29): See GL's 6.2.1 b. re Foreign National Income for [redacted] does not have traditional income. See Income docs uploaded. | 06/29/2022 |  |  | 1 C A |  | XX | Investment | Purchase | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing Non Material | Missing [redacted] Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. Investment occupancy with business purpose cert in file. Business purpose loans exempt from [redacted] requirement.[redacted] informational finding to indicate which document was used to source fees for any applicable testing. | The file is missing Final HUD-1. Closing Statement is used. |  |  |  | Reviewer Comment (2022-06-30): Provided<br>Buyer Comment (2022-06-29): upload Final Certified HUD11 |  |  | 06/30/2022 | 2 B |  | XX | Investment | Purchase | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property submitted as [redacted]/ Exempt from [redacted] | Ability to Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements. | Tested as [redacted] per client request. |  |  |  | Reviewer Comment (2022-06-30): Tested as non-QM per client request. |  |  | 06/30/2022 | 2 B |  | XX | Investment | Purchase | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  | Reviewer Comment (2022-06-29): Lender provided the initial FACTA disclosure that was provided to the borrower on [redacted]. Exception cleared.<br>Buyer Comment (2022-06-29): uploaded Disclosure Tracking. Sprout provided FACTA [redacted] when loan pkge received for processing.<br>Buyer Comment (2022-06-29): uploaded Disclosure Tracking. Sprout provided FACTA [redacted]when loan pkge received for processing. | 06/29/2022 |  |  | 1 B A |  | XX | Investment | Purchase | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2019-09-30): [redacted] receipt provided.<br>Buyer Comment (2019-09-30): [redacted] receipt confirmation uploaded. | 09/30/2019 |  |  | 1 B A |  | XX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved exception. Allow gift funds (down payment $[redacted]and $[redacted]) wired from foreign bank to escrow vs program requirement to transfer foreign funds to borrower's domestic account [redacted] days prior to loan signing. | Foreign borrower with no US credit scores or reporting tradelines.<br>DTI is [redacted], [redacted] < program maximum of [redacted]<br>Borrower has been self-employed for the past [redacted] as owner of XXXXXXXXXX. |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-09-29): Client has elected to waive exception based on compensating factors. |  |  | 09/29/2019 | 2 B |  | XX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Compliance Report not provided. |  |  |  | Reviewer Comment (2019-09-30): Compliance Report provided.<br>Buyer Comment (2019-09-30): [redacted] report uploaded for review. | 09/30/2019 |  |  | 1 C A |  | XX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - [redacted]% Points and Fees | XXX [redacted]3% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | XXX Points and Fees threshold exceeded by $[redacted]or .[redacted]%. |  |  |  |  |  |  | 06/27/2024 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Fee increased on [redacted] [redacted] with no valid change evident. |  |  |  | Reviewer Comment (2024-06-27): Sufficient Cure Provided At Closing |  | 06/27/2024 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 -[redacted]Points and Fees | XXX 2014 [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of[redacted](an overage of [redacted]). | XXX Points and Fees exceed allowable threshold by [redacted] |  |  |  |  |  |  | 02/24/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - [redacted] Points and Fees | [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted](an overage of[redacted]). | XXXXX Points and Fees exceed allowable threshold by[redacted] |  |  |  |  |  |  | 03/19/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-17): XXXXX |  | 03/17/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Bank statement income has been used. Kindly provide [redacted] for XXXXX |  |  |  | Reviewer Comment (2025-03-20): XXXXX<br>Seller Comment (2025-03-20): XXXXX | 03/20/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The[redacted] in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 04/02/2025 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as[redacted] on [redacted]. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of [redacted]. |  |  |  | Reviewer Comment (2025-03-31): Sufficient Cure Provided At Closing |  | 03/31/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial [redacted] Timing without Waiver | TILA-RESPA [redacted]: [redacted] not provided to Borrower(s) at least [redacted] business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-04-09): [redacted] received[redacted] business days prior to consummation.<br>Seller Comment (2025-04-09): [redacted]: Please see the attached CD | 04/09/2025 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim [redacted] Timing Test | TILA-RESPA [redacted] - Corrected [redacted] provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] prior to consummation | [redacted] received [redacted] CD reflects APR of [redacted]. The subsequent CD issued on [redacted] then reflects a higher APR of [redacted] which exceeds .[redacted] and was not received at least [redacted]prior to closing date on [redacted]. timing was not met |  |  |  | Reviewer Comment (2025-05-29): Interim CD dated [redacted] verifying increased interest rate/ reduced points, and increased APR of [redacted] was provided. The disclosure summary provided verifies the date provided to the borrower and the date the borrower received and e-signed.<br>Buyer Comment (2025-05-20): [redacted] will not waive [redacted]compliance findings<br>Seller Comment (2025-05-20): The APR of [redacted] is a Valid APR as the borrower received and consented to the initial CD on [redacted] with the APR of [redacted]. Please see the attached Initial Closing Disclosure and TRID History.<br>Reviewer Comment (2025-05-13): [redacted] received lender certfication that CD issued [redacted] with APR of [redacted] was retired from their system and not delivered to borrower. However, the CD that was presented in the loan package with a [redacted] Date Issued (See doc ID [redacted]) APR [redacted], was electronically signed by borrower as receiving on [redacted] PDT. As previously noted, cannot omit from testing as this disclosure was signed electronically by borrower's as receiving and was disclosed to borrower. Timing violation is valid, unable to cure.<br>Seller Comment (2025-05-12): Please see the attached letter<br>Reviewer Comment (2025-05-07): The [redacted] was signed and received by the borrower. No [redacted] was located in the loan file.Per TRID Grid 4.0, Additional Considerations Row 3, The TPR firm can exclude an LE or CD from consideration if it was not provided to the consumer. Acceptable documentation is a lender attestation that it was not provided to the consumer. (This is only applicable if the document is not acknowledged by the consumer.) Attestation should be in a separate document that can be included in the loan file.<br>Seller Comment (2025-05-06): Disagree - Please see the attached TRID Disclosure History which shows the initial CD was consent to on [redacted] with an APR of [redacted]. The [redacted] CD with an APR exceeding [redacted] was retired and never received or consented to by the borrower. The following CD that was consented to by the borrower had a valid APR of [redacted].<br>Reviewer Comment (2025-04-17): [redacted] received Initial CD and proof of mailing. However, this exception relates to the Change in APR exceeding [redacted] on the [redacted] Interim CD which missing proof of receipt [redacted] days prior to closing to meet timing requirements. It appears however, even if the [redacted] CD was received same date, it would not have allowed [redacted] business day waiting period prior to [redacted] consummation date. Timing was not met. If any missing CD's provided after [redacted] and prior to [redacted], please provide.<br>Seller Comment (2025-04-16): LI [redacted] Please see attached [redacted] Closing Disclosures and that show the borrower received and signed the initial Closing Disclosure on [redacted]. with the disclosed APR of [redacted]<br>Seller Comment (2025-04-16): [redacted] Please see attached [redacted] Closing Disclosures and that show the borrower received and signed the initial Closing Disclosure on [redacted]. with the disclosed APR of [redacted]. | 05/29/2025 |  |  | 1 A |  | XX | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX [redacted]- [redacted] Points and Fees | XXX [redacted] [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted] or [redacted]). | XXX Points and Fees exceed allowable threshold by [redacted] or [redacted]. |  |  |  |  |  |  | 04/28/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Available Gift Letter in file reflects borrower name in certification section instead of donor name. Require corrected Gift Letter. |  |  |  | Reviewer Comment (2025-05-01): Donor certification incorrectly lists the borrowers name but the correct donor is listed on the gift letter along with donor account statements verifying the transfer of the gift funds out of the donors account as well as the deposit into the borrowers account.<br>Seller Comment (2025-04-30): [redacted] - [redacted]: Though the provided gift letter contains a clerical error, all guidelines for use of Gift Funds have been met. The donor's name, address, and phone number is present, and the gift letter was signed by the donor. There is also evidence of the gift funds being transferred to the borrower from the donor's bank account. | 05/01/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Issue: Ineligible borrower |  | Borrowers who have lived in a rent-free situation are ineligible. Per LOE in file borrower has been living rent free. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[redacted] |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-06): Client elects to waive: Ok to waive,[redacted] FICO, [redacted] , [redacted] reserves<br>Reviewer Comment (2025-05-01): Client to review. Borrower is staying rent free for [redacted] years and there is no prior housing history provided in file.<br>Seller Comment (2025-04-30): [redacted] - [redacted]: The lender recognizes that the borrower was previously living rent free. However, the borrower provided an LOX to explain why they were living rent free and who they were living with. The positive factors present are the borrower's qualifying FICO of [redacted] and there are no derogatory events reflecting on their credit report. |  |  | 05/06/2025 | 2 C B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-28): Sufficient Cure Provided At Closing |  | 04/28/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. |  |  |  | Reviewer Comment (2025-05-28): Client elects to waive.<br>Seller Comment (2025-05-27): TF [redacted] Disagree - Our Contract states that [redacted] will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached documents which shows the borrower received the [redacted] on [redacted]<br>Seller Comment (2025-05-27): TF[redacted] Disagree - Our Contract states that [redacted]will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached documents which shows the borrower received the [redacted] on [redacted] |  |  | 05/28/2025 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | GSE | XXX 2014 - [redacted] Points and Fees | XXX [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] (an overage of [redacted] or [redacted]). | XXX Points and Fees exceed allowable threshold by [redacted] or [redacted]). |  |  |  |  |  |  | 05/23/2025 | 2 B |  | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

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| ![](ex99-1sch3_001.jpg) |
| **Rating Agency Grades** |

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | CC | C | C | C | C | C | RC | C | A | A | A | A | VA | A | C | C | C | C | C | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | CC | C | A | A | A | A | RA | A | A | A | A | A | VA | A | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C | C | B | B | B | B | B | B | A | A | A | A | A | A | C | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C | C | B | B | B | B | B | B | A | A | A | A | A | A | C | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | C | C | C | C | C | C | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | Z | A | A | A | A | A | A | A | A | A | A | A | Z |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | N/A | N/A | N/A | N/A | N/A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | N/A | N/A | N/A | N/A | N/A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | N/A | N/A | N/A | N/A | N/A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | N/A | N/A | N/A | N/A | N/A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | C | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | D | D | D | D | D |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | N/A | N/A | N/A | N/A | N/A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | N/A | N/A | N/A | N/A | N/A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | N/A | N/A | N/A | N/A | N/A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | N/A | N/A | N/A | N/A | N/A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C | C | B | B | B | B | B | B | A | A | A | A | A | A | C | C | C | C | C | C | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX | XXXX | XXXX | XXXX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| |
|:---|
| ![](ex99-1sch4_001.jpg) |
| **Valuation Report** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.860% |  |  | AVM |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.10 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.010% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 4.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 21.950% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.990% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.330% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.150% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.190% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.890% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.890% |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.650% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.020% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.580% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.250% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.820% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.2

**Exhibit 99.2**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of PRP-Annex VI, LLC (the "Client"). The review included a total of 7 residential mortgage loans, in connection with the securitization identified as PRPM 2026-RCF2 (the "Securitization"). The Review was conducted from November 2023 through October 2025 on mortgage loans originated between October 2023 and September 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (7 loans in total):

Zero (0) loans had a Secondary Appraisal, zero (0) loans had AVMs, and three (3) loans had a Desktop Review.

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

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the seven (7) mortgage loans reviewed, seven (7) unique mortgage loans (100.00% by loan count) had a total of sixteen (16) tape discrepancies across ten (10) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; <br> **Fields Reviewed** | &nbsp;&nbsp;**Discrepancy<br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Original_PITI_Payment | &nbsp;&nbsp;2 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;Originator_DTI | &nbsp;&nbsp;2 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;Origination_Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;Original_Collateral_Value_Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 7 | $3027395.00 | 100.00% |
| Event Grade B | 0 | $0.00 | 0.00% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 7 | $3027395.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 7 | 100.00% |
| Event Grade B | 0 | 0.00% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 7 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 1 loan within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 1 loan within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 1 loan within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 6 | 100.00% |
| Event Grade B | 0 | 0.00% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 6 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 7 | 100.00% |
| Event Grade B | 0 | 0.00% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 7 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Payment History | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***8*** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***6*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxx |  | Original_PITI_Payment | XXX | XXX | FALSE |
| xxx |  | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| xxx |  | Originator_DTI | XXX | XXX | FALSE |
| xxx |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| xxx |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| xxx |  | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| xxx |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| xxx |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| xxx |  | Interest Rate | XXX | XXX | Per note |
| xxx |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| xxx |  | Borrower 1 SSN | XXX | XXX | Per 1003 |
| xxx |  | DSCR | XXX | XXX | Blank Data tape |
| xxx |  | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| xxx |  | Original_PITI_Payment | XXX | XXX | FALSE |
| xxx |  | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| xxx |  | Originator_DTI | XXX | XXX | FALSE |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2023 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 11/01/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2023 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XXX and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's XXX is set for the maximum principal obligation eligible for purchase by XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orthel loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's XXX is set for the maximum principal obligation eligible for purchase by XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orthel loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal requirements have been met. | Change status of 'Higher-Priced Mortgage Loan' from Active to Cured Post Close.; HPML is compliant and allowed per lender's guidelines, therefore, downgraded to A. ; Change status of 'Higher-Priced Mortgage Loan' from Active to Cured Post Close.; HPML is compliant. ; Change status of 'Higher-Priced Mortgage Loan' from Cured Post Close to Cleared.; HPML is compliant and allowed per lender's guidelines, therefore, downgraded to A. ; Change status of 'Higher-Priced Mortgage Loan' from Cured Post Close to Cleared.; HPML is compliant and allowed per lender's guidelines, therefore, downgraded to A. | 11/03/2023 |  | 11/03/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2023 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/01/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2023 | Resolved | XXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; Documentation Required: The Service Provider List is missing from the file, therefore unable to test if title fees should be tested for XXX% increases. Please provide missing doc so that TRID review/testing can be completed.; TILA 130 required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery or SPL issued within XXX days of appl date XX/XX/XXXX. The Service provider list is missing from loan file, therefore, title fees are subjected to XXX% |  |  | This loan passed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX do not exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 11/03/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Resolved | XXXX | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 05/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2025 | Resolved | XXXX | Credit | Missing Payment History | The loan file includes a Mortgage Statement for a property on XXX (page XXX). The property was not listed on the Final 1003 and a payment history was not found in the loan file for the above mentioned property. | Document Uploaded. | 06/24/2025 | ; 1003 updated for property on XXX | 06/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2025 | Resolved | XXXX | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | XXXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Evidence of insurance coverage has effective date dated after disbursement date. | Document Uploaded. Hi, loan did not fund until XX/XX/XXXX. Please see Final HUD with interest on XX/XX/XXXX. | 07/28/2025 | Disbursement date revised, hazard policy was effective. Exception resolved. ; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 08/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | XXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing taxes and insurance for primary residence evidence of full PITI. No escrow listed on mortgage Statement. | Document Uploaded. Hi, the property is a SFR so there is no HOA. Please see updated XXX We added the taxes and insurance and it comes to XXX DTI.; Document Uploaded. | 08/06/2025 | Lender validates there is no HOA fee on the primary residence. PITI included in qualification. ; Please confirm if there is an HOA on this property. Also, please provide a revised XXX reflecting the T&I payment of XXX for the primary residence. Revised DTI is XXX% vs. XXX%. | 08/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 10/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/13/2025 | Resolved | XXXX | Credit | Excessive LTV Ratio | 70.00% LTV > XXX% limit for no ratio program. | XX/XX/XXXX - doc uploaded | 06/16/2025 | XXX: Rescind. Lease rents taking XXX% of market | 06/16/2025 | C A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/16/2023 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/16/2023 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; A |
| XXX |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/16/2023 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XXX XXX and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's XXX is set for the maximum principal obligation eligible for purchase by XXX XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's XXX is set for the maximum principal obligation eligible for purchase by XXX XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal requirements have been met. | HPML compliant | 11/21/2023 |  | 11/21/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; A |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades DBRS** | **Initial Credit Loan Grades Fitch** | **Initial Credit Loan Grades Kroll** | **Initial Credit Loan Grades Moody's** | **Initial Credit Loan Grades S&P** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Fitch** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Initial Property Loan Grades S&P** | **Initial Overall Loan Grades DBRS** | **Initial Overall Loan Grades Fitch** | **Initial Overall Loan Grades Kroll** | **Initial Overall Loan Grades Moody's** | **Initial Overall Loan Grades S&P** | **Final Credit Loan Grades DBRS** | **Final Credit Loan Grades Fitch** | **Final Credit Loan Grades Kroll** | **Final Credit Loan Grades Moody's** | **Final Credit Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Fitch** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Property Loan Grades S&P** | **Final Overall Loan Grades DBRS** | **Final Overall Loan Grades Fitch** | **Final Overall Loan Grades Kroll** | **Final Overall Loan Grades Moody's** | **Final Overall Loan Grades S&P** |
| XXX |  |  | $XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX |  |  | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX |  |  | $XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX |  |  | $XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX |  |  | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX |  |  | $XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXX |  |  | $XXXXXX | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 90.00 | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXX |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.41 | 78.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| XXX |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.00 | 70.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXX |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXX |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00 | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXX |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Eligible | 2.5 |  |
| XXX |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

**NARRATIVE**

**PRPM 2026-RCF2**

**By Canopy Financial Technology Partners LLC on March 11, 2026**

Canopy Financial Technology Partners LLC

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

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

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

![](ex99-3_001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by PRP-Annex VI, LLC (the "Client") or its affiliated company. The Review was conducted September 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of one (1) loans with an aggregate principal balance of $191,228.

**Loan Sampling**

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

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

**Data Integrity**

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

---

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

---

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

![](ex99-3_001.jpg)

---

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

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

· Gross Income (when applicable);

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

![](ex99-3_001.jpg)

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history;

· Citizenship and eligibility;

· First time home buyer status;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor.

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

![](ex99-3_001.jpg)

In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

· Borrower identity:

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

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

· Employment:

· Licensing – reviewed NMLS data for:

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

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

· Occupancy:

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

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

· OFAC:

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

![](ex99-3_001.jpg)

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation (when applicable)**

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

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

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

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

![](ex99-3_001.jpg)

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

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

**Compliance Review**

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

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

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

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

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

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

![](ex99-3_001.jpg)

I. Compliance Documentation Requirements

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

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

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

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

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

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

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

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

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

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

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

II. Anti-Predatory Lending (Assignee Liability)

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

III. Compliance Testing Elements

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

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

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

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

![](ex99-3_001.jpg)

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

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

![](ex99-3_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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![](ex99-3_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)**

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

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

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

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![](ex99-3_001.jpg)

**Ability to Repay (ATR)**

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

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

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

**Valuation Review**

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

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

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

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![](ex99-3_001.jpg)

**Independent Third-Party Values**

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

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

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---

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

---

---

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

---

---

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

---

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

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**FINDINGS SUMMARY**

**Summary Overview**

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

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

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

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

**FINDINGS TABLE**

**REVIEW TABLES**

---

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

---

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

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---

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

---

**ADDITIONAL LOAN SUMMARY DETAILS**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$191228.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;1 | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$191228.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$191228.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$191228.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$191228.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$191228.00** |

---

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

![](ex99-3_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$191228.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$191228.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$191228.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$191228.00** |

---

**DATA COMPARISON RESULTS**

Of the one (1) mortgage loan files reviewed, (1) unique loans (100% by number) had (1) tape comparison discrepancies across (1) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;B1 Credit Report Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

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

![](ex99-3_001.jpg)

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXX | XXX |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| XXX |  | XXX | B1 Credit Report Date | xxx | xxx |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Current/Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Current/Final Loan Grade** | **Property Initial Loan Grade** | **Property Current/Final Loan Grade** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Initial Finding Grade** | **Current/Final Finding Grade** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXX |  | XXX | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades DBRS** | **Initial Credit Loan Grades Fitch** | **Initial Credit Loan Grades Kroll** | **Initial Credit Loan Grades Moody's** | **Initial Credit Loan Grades S&P** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Fitch** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Initial Property Loan Grades S&P** | **Initial Overall Loan Grades DBRS** | **Initial Overall Loan Grades Fitch** | **Initial Overall Loan Grades Kroll** | **Initial Overall Loan Grades Moody's** | **Initial Overall Loan Grades S&P** | **Final Credit Loan Grades DBRS** | **Final Credit Loan Grades Fitch** | **Final Credit Loan Grades Kroll** | **Final Credit Loan Grades Moody's** | **Final Credit Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Fitch** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Property Loan Grades S&P** | **Final Overall Loan Grades DBRS** | **Final Overall Loan Grades Fitch** | **Final Overall Loan Grades Kroll** | **Final Overall Loan Grades Moody's** | **Final Overall Loan Grades S&P** |
| XXX |  | XXX | xxx | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX |  | XXX | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 84.99 | 84.99 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

**EXECUTIVE SUMMARY**

**PRPM 2026-RCF2**

**By Clarifii LLC on March 10, 2026**

PRPM 2026-RCF2 Due Diligence Narrative Report – PagE \| 1

 **CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 6 loans (the "Loans") and these loans were subsequently acquired by PRP-Annex VI, LLC (the "Client") for the PRPM 2026-RCF2 transaction. The loans referenced in this narrative report were reviewed 12/2024 through 08/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;4 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1075154.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$445979.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1521133.00** |

---

The Review consisted of a population of 6 loans, with an aggregate principal balance of $1,521,133.00.

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

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

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

**LOAN SAMPLING**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

PRPM 2026-RCF2 Due Diligence Narrative Report – PagE \| 2

![](ex99-4_001.jpg)

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |

---

PRPM 2026-RCF2 Due Diligence Narrative Report – PagE \| 3

![](ex99-4_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;ULI |

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

PRPM 2026-RCF2 Due Diligence Narrative Report – PagE \| 4

![](ex99-4_001.jpg)

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in loan file

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

PRPM 2026-RCF2 Due Diligence Narrative Report – PagE \| 5

![](ex99-4_001.jpg)

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

PRPM 2026-RCF2 Due Diligence Narrative Report – PagE \| 6

![](ex99-4_001.jpg)

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

PRPM 2026-RCF2 Due Diligence Narrative Report – PagE \| 7

![](ex99-4_001.jpg)

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

PRPM 2026-RCF2 Due Diligence Narrative Report – PagE \| 8

![](ex99-4_001.jpg)

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

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**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

Clarifii reviewed loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a loan.

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Clarifii's review was based on information contained in the loan file at the time it was provided for review.

All loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

**VALUATION REVIEW**

Clarifii reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, comparable sales, completeness of data and eligibility of the appraiser, compared to underwriting guidelines, variances, and tolerances. Clarifii determined that the appraised value appeared to be supported, based on the valuation provided by the Independent Third-party Review.

&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)** Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

&nbsp;&nbsp;&nbsp;&nbsp;· If the AVM (Automated Valuation Model) supported the origination appraised value within -10% variance,
no additional products were required.

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

&nbsp;&nbsp;&nbsp;&nbsp;· In the event the Desk Review process yielded material exceptions
or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish the supported value,
unless guidelines allowed for the use of the lower Desk Review value for purpose of LTV/CLTV/HCLTV.

**Uniform Collateral Data Portal (UCDP) Risk Score:**

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with a Fannie Mae Collateral Underwriter Score (CU),
if an CU Score was available and the CU Score was greater than 2.5, a Desk Review was either reviewed in the loan file or ordered by
Clarifii. If the CU Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk
Score.

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**VALUATION RESULTS SUMMARY**

The two tables below summarize the loans that contained independent third-party valuation product as well as loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – <br> No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA or<br> Acceptable UCDP Risk<br> Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

**DUE DILIGENCE GRADING CRITERIA** 

Upon completion of the loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The National Recognized Statistical Rating Organizations (NRSRO) criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Asset-Backed Securities Form ABS Due Diligence-15E.

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

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**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

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**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

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**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1521133.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1521133.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$188254.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;$1332879.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1521133.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;4 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1075154.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$445979.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1521133.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1521133.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1521133.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1521133.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1521133.00** |

---

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**DATA COMPARE RESULTS**

Clarifii provided Client with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the loan review.

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy <br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |

---

PRPM 2026-RCF2 Due Diligence Narrative Report – PagE \| 18

![](ex99-4_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report/Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;2. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;4. Rating Agency Grade Detail and Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;5. Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;7. Rating Agency ATR or QM Report

&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;9. Business Purpose Supplement Extract Report

**Disclaimer**

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

 

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

 

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

 

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

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2026 Clarifii LLC. All rights reserved.

PRPM 2026-RCF2 Due Diligence Narrative Report – PagE \| 19

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | XXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | XXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8598.52 | 9.294 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4988.87 | Yes | Employed |  | No |  | No |  |
| XXXX | XXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXX | XXXX | CMC0001_1st Lien Post-Close | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXX | XXXX | CMC0001_1st Lien Post-Close | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Borrower is a Foreign National |
| XXXX | XXX | XXXX | CMC0001_1st Lien Post-Close | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXX | XXXX | CMC0001_1st Lien Post-Close | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.66 | 43.60 | Variance due to Lender including Self-Reported Utility payment in DTI - not required |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXX | XXXX D A | Closed | FCRE1116 | 2024-12-13 14:10 | 2024-12-20 16:50 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Received corrected Note - Due Diligence Vendor-12/20/2024 <br> Ready for Review-Document Uploaded. Please see copy of the Note with page 1 corrected - Seller-12/19/2024 <br> Open-Security Instrument Date does not match the Note Date Dates are directly from both documents. Note date is XXXX, DOT is dated XXXX, CD is dated XXXX - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. Please see copy of the Note with page 1 corrected - Seller-12/19/2024<br>| Resolved-Received corrected Note - Due Diligence Vendor-12/20/2024<br>| Months Reserves exceed minimum required - Min reserve requirement is 2, borrower has 7.17<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.06 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3004187 |
| XXXX | XXX | XXXX D A | Closed | FCRE8887 | 2024-12-13 14:23 | 2024-12-19 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received executed Final 1003. - Due Diligence Vendor-12/19/2024 <br>Ready for Review-Document Uploaded. Please see attached copy of the Fully executed 1003 - Seller-12/18/2024 <br>Open-Provide Final 1003 fully executed - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. Please see attached copy of the Fully executed 1003 - Seller-12/18/2024<br>| Resolved-Received executed Final 1003. - Due Diligence Vendor-12/19/2024<br>| Months Reserves exceed minimum required - Min reserve requirement is 2, borrower has 7.17<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.06 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3004345 |
| XXXX | XXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXX | XXXX D A | Closed | FCRE1503 | 2025-01-09 15:48 | 2026-02-19 10:35 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Received P&L - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/13/2025 <br>Open-ATR: The Lender did not document all ATR Factors 12 month P&L missing-must coincide with CPA letter in file and meet all guidelines. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-01/13/2025<br>| Resolved-Received P&L - Due Diligence Vendor-01/15/2025<br>| LTV is less than guideline maximum - Max LTV is 65%, borrower has a 40.66%<br>Months Reserves exceed minimum required - Borrower has 24.25 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3176237 |
| XXXX | XXX | XXXX D A | Closed | FCRE1506 | 2025-01-09 15:48 | 2026-02-19 10:35 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received P&L. - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/13/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 12 month P&L missing-must coincide with CPA letter in file and meet all guidelines. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-01/13/2025<br>| Resolved-Received P&L. - Due Diligence Vendor-01/15/2025<br>| LTV is less than guideline maximum - Max LTV is 65%, borrower has a 40.66%<br>Months Reserves exceed minimum required - Borrower has 24.25 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3176238 |
| XXXX | XXX | XXXX D A | Closed | FCRE1326 | 2025-01-09 15:44 | 2025-01-15 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received P&L - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/13/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing 12 month P&L missing-must coincide with CPA letter in file and meet all guidelines. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-01/13/2025<br>| Resolved-Received P&L - Due Diligence Vendor-01/15/2025<br>| LTV is less than guideline maximum - Max LTV is 65%, borrower has a 40.66%<br>Months Reserves exceed minimum required - Borrower has 24.25 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3176186 |
| XXXX | XXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades DBRS** | **Initial Credit Loan Grades Fitch** | **Initial Credit Loan Grades Kroll** | **Initial Credit Loan Grades Moody's** | **Initial Credit Loan Grades S&P** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Fitch** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Initial Property Loan Grades S&P** | **Initial Overall Loan Grades DBRS** | **Initial Overall Loan Grades Fitch** | **Initial Overall Loan Grades Kroll** | **Initial Overall Loan Grades Moody's** | **Initial Overall Loan Grades S&P** | **Final Credit Loan Grades DBRS** | **Final Credit Loan Grades Fitch** | **Final Credit Loan Grades Kroll** | **Final Credit Loan Grades Moody's** | **Final Credit Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Fitch** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Property Loan Grades S&P** | **Final Overall Loan Grades DBRS** | **Final Overall Loan Grades Fitch** | **Final Overall Loan Grades Kroll** | **Final Overall Loan Grades Moody's** | **Final Overall Loan Grades S&P** |
| XXXX | XXX | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXX | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.0 | 69.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | .00 |  |  |  |  | 0 | 0 |  |  |  |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | .00 |  |  |  |  | 0 | 0 |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  |  |  |  |  |
| XXXX | XXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.66 | 40.66 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | .00 |  |  |  |  | 0 | 0 |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  |  |  |  |  |
| XXXX | XXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 44.63 | 44.63 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | .00 |  |  |  |  | 0 | 0 |  |  |  |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  | 2.5 | XXXX Eligible |  |  |
| XXXX | XXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 48.17 | 48.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | .00 |  |  |  |  | 0 | 0 |  |  |  |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 44.3 | 44.3 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | .00 |  |  |  |  | 0 | 0 |  |  |  |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_002.jpg)

PRPM 2026-RCF2<br>

![](ex99-5_001.jpg)

**March 11, 2026<br> Due Diligence Narrative Report**

![](ex99-5_002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 6 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 8 |
| &nbsp;&nbsp;&nbsp;Data Capture | 8 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

 ****

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 1 March 11, 2026

![](ex99-5_002.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-5_004.jpg) | **Michael Santarsiere** | Client Service Director |

---

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

---

| | | |
|:---|:---|:---|
| ![](ex99-5_004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |

---

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

**Overview**

Clayton Services LLC (Clayton") conducted an independent third-party pre-securitization due diligence review of residential loans selected for the PRPM 2026-RCF2 transaction. The loans referenced in this narrative report were reviewed on a flow basis between November 2021 and August 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review. The population of 3 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 3 | 100.00% |
| &nbsp;&nbsp;**Total** | **3** | **100.00%** |

---

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 2 March 11, 2026

![](ex99-5_002.jpg)

**Clayton's Third Party Review ("TPR") Scope of Work**

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

Sampling

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

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count***<br> ***Reviewed by Clayton*** <br>| &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;3 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan**<br> **Population** | &nbsp;&nbsp;3 |  |

---

Sponsor Acquisition Criteria

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

Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

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

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 3 March 11, 2026

![](ex99-5_002.jpg)

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

![](ex99-5_003.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 3 loans in this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

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

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

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

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

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

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

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

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

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

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

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

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

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 4 March 11, 2026

![](ex99-5_002.jpg)

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (3 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (3 loans)

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

● CU Score

● AVM

● Desk Review

For further detail please refer to the PRPM 2026-RCF2 Valuations Summary Report.

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 5 March 11, 2026

![](ex99-5_002.jpg)

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

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

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

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

- Prepayment Penalty restrictions.

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

Affiliated Business Disclosure if applicable.

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

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 6 March 11, 2026

![](ex99-5_002.jpg)

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

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

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

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

● Virginia Lender and Broker Act after 6/1/2008

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payments

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 7 March 11, 2026

![](ex99-5_002.jpg)

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

Data Integrity

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

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

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

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

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

Data Capture

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

**Data Compare Results**

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Borrower 1 Total Income | 1 | 66.67% |
| &nbsp;&nbsp;Cash Reserves | 2 | 33.33% |
| &nbsp;&nbsp;Combined LTV | 1 | 66.67% |
| &nbsp;&nbsp;Months Reserves | 2 | 33.33% |
| &nbsp;&nbsp;Total Cash Out | 2 | 33.33% |
| &nbsp;&nbsp;Total Monthly Income | 1 | 66.67% |

---

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 8 March 11, 2026

![](ex99-5_002.jpg)

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 3 |  |  |  | **3** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **3** | **0** | **0** | **0** | **3** |

---

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

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 3 |  |  |  | **3** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **3** | **0** | **0** | **0** | **3** |

---

**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 3 |  |  |  | **3** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **3** | **0** | **0** | **0** | **3** |

---

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 9 March 11, 2026

![](ex99-5_002.jpg)

**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 3 |  |  |  | **3** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **3** | **0** | **0** | **0** | **3** |

---

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;9. 15E Form

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**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non-occupant co-borrower

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

- Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial
 statements

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease
 agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award
 letters

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

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

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

▪ Verification of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository
 account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements
 statements

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold
 estate

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

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- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 loan number

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

- Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

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**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location
 map

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

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

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured
 or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel
 units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique
 properties

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

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&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use
 properties

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

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

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

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

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

F. Disclaimer

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 is not an 'AMC' (appraisal management company) and therefore Clayton does not
 opine on the actual value of the underlying property

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
 and therefore Clayton will not have any communication with or responsibility to any individual
 consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk
 Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;o Clear
 Capital "CDA" means a written retrospective analysis of an appraisal
 of residential real property relating to completeness, reasonableness, and relevance. The
 relevant appraisal shall be provided to Clear Capital by Customer. The CDA will
 offer an alternative value, if deemed appropriate, based on the analysis of the competitive
 market as of the effective date of the appraisal provided. The CDA will also
 provide an analysis of the appraisal provided, including supporting narrative
 and data to fully support the CDA value and outline deficiencies within the
 appraisal. The CDA will also contain a Risk Score and Risk Indicators based
 upon the findings of the analysis for the appraisal provided to Clear
 Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's
 Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file
 completed by a licensed appraiser. The ARR validates subject and comparable data and
 characteristics, confirms the original appraiser's methodologies, credentials, and
 commentary to ensure compliance with regulatory requirements and industry accepted best practices,
 and flags all risk factors while also providing a final value reconciliation used to grade
 the loan.

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**Appendix C: Regulatory Compliance Review Scope**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1:
 confirm the correct version of the GFE and HUD1 were properly completed under the Regulation
 X Final Rule that became mandatory on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial
 Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days
 of valid changed circumstance documentation within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms
 on the HUD1 correspond to the actual loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed
 the Final GFE in the 0% or 10% fee tolerance categories, including a review for a Settlement
 Service Provider List if the lender excludes fees that the borrower can shop for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated
 Business Disclosure: if the loan file indicates the lender or broker referred the borrower
 to a known affiliate, confirm the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership
 Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided
 to the borrower within 3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL
 Disclosure: Content of Disclosures – perform an independent recalculation of the finance
 charges and APR to determine whether the amounts disclosed on the final TIL were within allowable
 tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement
 Act for loans applications on or after January 30, 2010. Additional disclosure content with
 a focus on the consistency of the prepayment penalty disclosure and assumption policy with
 the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage
 Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure
 within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures
 provided at least 3 days prior to consummation for applications received on or after July
 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM
 Disclosure: confirm these disclosures are in the file within 3 days of application, or 3
 days of the borrower discussing ARM programs identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right
 of Rescission – Review the disclosure form type, disclosure timing, disclosed dates,
 other material disclosures, and the loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher
 Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal
 requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited
 Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents,
 financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section
 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM
 Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014,
 confirm the loan file contains documentation to evidence the lender considered and verified
 the borrower has the ability to repay in accordance with the ATR requirements This included
 identifying whether QM loans met agency exemptions or were underwritten in accordance with
 Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and
verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment
penalty restrictions (Section 43)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosure Rule: "The Initial TRID Scope"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test
 whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE")
 and Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application
 Requirement Testing:

● Pre-application forms cannot look similar to the LE

● Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

● The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

● The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

● That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

● If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

● The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy
 of the Loan Calculations

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

● Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

● Alphabetization of fees.

● Title fees preceded by "Title –."

● Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency
 within and across forms

● Once a fee is disclosed it must remain substantially the same name across disclosures.

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 18 March 11, 2026

![](ex99-5_002.jpg)

● Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

● Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion
 of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected
 CD requiring a new waiting period

● Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

● Corrected CD's provided with a post-close refund.

● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside
 of Clayton's default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 19 March 11, 2026

![](ex99-5_002.jpg)

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton tests whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| **Higher-Priced** | **Higher-Priced** | **Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton tests whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high-cost testing:

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp;Vermont<br>(High Rate, High Point law)<br>|
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp;Ohio, including<br>Cleveland Heights ordinance<br>|  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 20 March 11, 2026

![](ex99-5_002.jpg)

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| **Borrower's Interest** | **Borrower's Interest** | **Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |

---

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 21 March 11, 2026

![](ex99-5_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

PRPM 2026-RCF2 Due Diligence Narrative Report Page \| 22 March 11, 2026

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **PRPM 2026-RCF2** |
| **Start - End Dates:** | **11/11/2021 - 8/18/2025** |
| **Deal Loan Count:** | **3** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *3* |
| ***Loans with Conditions:*** | *0* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| XXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been on job for over 4 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is < 50%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 40% |
| XXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $118,031.17 or 44.68 months PITI reserves exceed required reserves of ($2,641.46 x 6 = $15,848.76).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.58 is below guideline max of 50. |
| XXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5.3 years employed with XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 667 mid-score per CBR. 660 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 30 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $XXX = 13.91 months of reserves. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines. |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | PRPM 2026-RCF2 |
| **Start - End Dates:** | 11/11/2021 - 8/18/2025 |
| **Deal Loan Count:** | 3 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *3* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| XXXX | XXXXXX | Cash Reserves | 187925.98 | 118031.17 |
| XXXX | XXXXXX | Combined LTV | 76.53 | 80.00 |
| XXXX | XXXXXX | Months Reserves | 45.00 | 44.68 |
| XXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXX | XXXXXX | Borrower 1 Total Income | 104320.38 | 104318.62 |
| XXXX | XXXXXX | Cash Reserves | 446410.80 | 117216.50 |
| XXXX | XXXXXX | Months Reserves | 14.00 | 13.91 |
| XXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXX | XXXXXX | Total Monthly Income | 104320.38 | 104318.62 |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **PRPM 2026-RCF2** |
| **Start - End Dates:** | **11/11/2021 - 8/18/2025** |
| **Deal Loan Count:** | **3** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *3* |
| ***Loans with Conditions:*** | *0* |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| XXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **PRPM 2026-RCF2** |
| **Start - End Dates:** | **11/11/2021 - 8/18/2025** |
| **Deal Loan Count:** | **3** |

---

**ATR QM Upload**

<br> *Loans in Report:* *3*

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4584 | Yes | Yes | 2.048 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.5 | 40.27 | 38.5 | 40.27 | 40.27 | 40.27 | Yes | Yes | Yes | 8455.44 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | Yes | 4 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 24 | Yes | (No Data) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 4 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4643 | No | No | 2.603 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.58 | 44.58 | 44.58 | 44.58 | 44.58 | 44.58 | No | No | (No Data) | 4821.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (XXXX) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | Work Visa | Work Visa | (No Data) | (No Data) |
| XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9515 | Yes | Yes | 2.629 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.98 | 22.13 | 23.98 | 22.13 | 22.13 | 22.13 | No | No | (No Data) | 81234.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 63 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 63 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **PRPM 2026-RCF2** |
| **Start - End Dates:** | **11/11/2021 - 8/18/2025** |
| **Deal Loan Count:** | **3** |

---

**Rating Agency ATR QM Data Fields**

<br> *Loans in Report:* *3*

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| XXXX | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9416 | XXXXXX | 6.4584 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 7470 |
| XXXX | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6712.04 | XXXXXX | 7.4643 | Employed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| XXXX | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 25536.37 | XXXXXX | 7.9515 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

**Exhibit 99.5 Schedule 6**

---

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 259 | 260 | 261 | 262 | 263 | 264 | 265 |
| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **Combined Loan Amount** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Appraiser First Name** | **Appraiser Last Name** | **Appraiser Certification/License #** |
| 163327 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.2500 | 2893.87 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 47.96 | 47.96 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 147.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 30 | 21807.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 669 | 606 | 592 | 6666.40 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 602 | 610 | 602 | 7490.22 | (No Data) | (No Data) | 602 | 14156.62 | 8455.44 | 27.24 | 40.27 | 5701.18 | 3856.18 | 39469.73 | 39469.73 | 39469.73 | XXXXXX | 39469.73 | 10.24 | 10.24 | Fully Amortized | 6.250 | 2893.88 | 27.24 | 40.27 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 4 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 162386 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1797.25 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 107.25 | (No Data) | (No Data) | 0.00 | 83.33 | Present | XXXXXX | 2 | No | Present | XXXXXX | 70 | 47710.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 666 | 639 | 675 | 8700.69 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 731 | 751 | 0 | 260216.00 | (No Data) | 666 | 8700.69 | 4821.98 | 30.36 | 44.58 | 3878.71 | 2641.46 | 187953.74 | 187953.74 | 187953.74 | XXXXXX | 118031.17 | 44.68 | 44.68 | Fully Amortized | 7.375 | 1797.25 | 30.36 | 44.58 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | 1099 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 162360 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.0000 | 7126.69 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 473.73 | (No Data) | (No Data) | 100.83 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 47 | 12600.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 681 | 667 | 663 | 104318.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 971250.00 | (No Data) | 667 | 104318.62 | 81234.72 | 5.05 | 22.13 | 23083.9 | 5263 | 448806.37 | 448806.37 | 448806.37 | XXXXXX | 117216.5 | 13.91 | 13.91 | Fully Amortized | 8.000 | 7126.69 | 5.05 | 22.13 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Business Bank Statements - 24 months;<br> CPA Letter without Income - 63 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 7**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | PRPM 2026-RCF2 |
| **Start - End Dates:** | 11/11/2021 - 8/18/2025 |
| **Deal Loan Count:** | 3 |
| **Valuations Summary** |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loans In Report: | 3 | 3 |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| Loans In Report: |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 163327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -7.04% | XXXXXX | 14.000 | 86.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 162386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 162360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.jpg)

**EXECUTIVE SUMMARY**

**PRPM 2026-RCF2**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions and f/k/a Edgemac ("Incenter Diligence"), performed an independent third-party due diligence review of 2 loans acquired by PRP-Annex VI, LLC (the "Client"). The review was performed from June 2019 through August 2019, using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans. For preparation of this report, Incenter Diligence has relied on historical information supplied at the time of the original purchase given the age of the asset and the fact that the original client and associated records no longer exist.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 2 loans for an aggregate original principal balance of $343,800.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

**Data integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Appraisal Value |
| &nbsp;&nbsp;Appraiser Name |
| &nbsp;&nbsp;Back/Qual DTI |
| &nbsp;&nbsp;Borrower First Name |
| &nbsp;&nbsp;Borrower Last Name |
| &nbsp;&nbsp;Coborrower 1 First Name |
| &nbsp;&nbsp;Coborrower 1 Last Name |
| &nbsp;&nbsp;Doc Type |

---

Page **1** of **14**

![](ex99-6_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Doc Type Level |
| &nbsp;&nbsp;DSCR |
| &nbsp;&nbsp;Front DTI |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;FTHB Flag |
| &nbsp;&nbsp;Interest Rate Initial Cap |
| &nbsp;&nbsp;Interest Rate Life Cap |
| &nbsp;&nbsp;Interest Rate Periodic Cap |
| &nbsp;&nbsp;Interest Rate Rate Change Frequency |
| &nbsp;&nbsp;Interest Rate Life Floor |
| &nbsp;&nbsp;Interest Type |
| &nbsp;&nbsp;Investor Qualifying DSCR |
| &nbsp;&nbsp;Investor Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy Type |
| &nbsp;&nbsp;Original / Note Payment |
| &nbsp;&nbsp;Original CLTV |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Original Term to Maturity |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Self Employed Mortgagor |
| &nbsp;&nbsp;Self Employed Co-Borrower |

---

Page **2** of **14**

![](ex99-6_001.jpg)

**Underwriting Conformity**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the Client's underwriting guidelines, eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points of fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate that the appropriate
employment and income documentation, such as pay stubs, tax transcripts, and bank statements, was provided and used to accurately qualify
the borrower according to guidelines. Recalculate the borrower's income and debt to determine the appropriate debt to income ratio
in accordance with the guidelines. Validate borrower's employment history and confirm that the appropriate income and assets were
used to qualify. Make a reasonable assessment of whether there are any indications that income documentation may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate that assets used to
qualify the borrower match the documentation in the file and the information used to calculate down payment, closing costs, and reserves
meet program guideline requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review exceptions, compensating
factors and underwriter comments, if available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review program guidelines against
the loan approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income requirements (such as
DTI, etc);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review the loan approval against
all supporting documentation and loan application to verify accuracy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the initial loan application
against the final loan application or other loan applications found in the file to validate the application was signed, properly completed
and to expose discrepancies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Evaluate that a credit report
has been provided for all borrowers and assess whether it was pulled in a timely manner and that the credit scores meet applicable guidelines.
Verify whether any fraud alerts are listed on the credit reports and make a reasonable assessment of whether the borrower's profile
adheres to applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review the loan file for inconsistencies
based on information derived from source documentation provided in the loan file, for the purposes of identifying misrepresentations contained
in the loan file, including with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review for occupancy representation
versus occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review the title report for
possible judgments and other liens that may have existed upon origination; verify chain of title.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify and validate the file
contains sufficient property insurance coverage as required by guidelines; confirm property insurance policy contains appropriate mortgagee
clause. For subject properties located in a Special Flood Hazard Area where flood insurance is required, verify and validate the file
contains sufficient flood insurance coverage as required by guidelines and that flood insurance policy contains appropriate mortgagee
clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review property details on
appraisal including a review for ineligible properties

Page **3** of **14**

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**Property Valuation Review** 

Incenter Diligence performed a standard property valuation Desktop Review on all loans to ensure the original property valuation in the loan file supports the subject property and to determine whether there are any indicators of misrepresentation. The evaluation included the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review the original appraisal
report to ensure the valuation was performed by a licensed appraiser and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify subject property type
meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Validate that the values used
do not exceed 6 months in age,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Note any exceptions to stated
value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify value used to calculate
LTV/CLTV and note any deviations,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Verify the appraisal report
matches loan documents, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review additional valuation
products in the file; if there is a 10% variance, Client is notified and an additional independent valuation product will be obtained.

**Regulatory Compliance Review**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence performed a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and the advice of outside counsel. In addition, Incenter Diligence utilizes the ComplianceAnalyzer tool by ComplianceEase. Incenter Diligence's conclusions are representative of our best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviewed each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal TILA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Finance Charge Test (12 CFR
§1026.18(d)(1)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is understated by no more
than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is greater than the amount
required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Rescission Finance Charge Test
(12 CFR §1026.23(h)(2)i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is understated by no more
than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is greater than the amount
required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Rescission Total of Payments
Test (12 CFR §1026.23(h)(2)(ii)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is understated by no more than
$35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Is greater than the amount
required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Foreclosure Rescission Finance
Charge and Total of Payments Tests(12 CFR §1026.23(h)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. APR Test 12 CFR §1026.22(a)(2),
(4) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosed annual percentage
rate (APR) is considered accurate because it is not more than 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for
irregular transactions) point above or below the APR as determined in accordance with the actuarial method; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The disclosed APR results from
the disclosed finance charge, and the disclosed finance charge is considered accurate under §1026.18(d)(1) (the finance charge test),
or for purposes of rescission the disclosed finance charge is considered accurate under §1026.23(g) or (h) (the rescission finance
charge test or the foreclosure rescission finance charge test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Right of Rescission Test (12
CFR §1026.23(a)(3), §1026.15(a)(3),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The funding date is not before
the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The consumer may exercise the
right to rescind until midnight of the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate Right of Rescission
Notice was provided and provides the correct date for ability to cancel

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Dual Broker Compensation Test
(12 CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives
compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan originator shall receive compensation,
directly or indirectly, from any other person other than the consumer in connection with the transaction for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Loan Originator Credits Test
(12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Test that the initial disclosure
(GFE/TIL/LE) does not contain any broker fees paid by the broker

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Financing of Single Premium
Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor may not finance,
directly or indirectly, any premiums or fees for credit insurance in connection with a consumer credit transaction secured by a dwelling
(including a home equity line of credit secured by the consumer's principal dwelling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Initial TIL Disclosure (Pre-TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial TIL Disclosure Date
Test (12 CFR §1026.17(b),1026.19(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is a mortgage transaction
subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The initial TIL disclosure
date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially
all of its business functions) after the creditor receives the consumer's written application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The initial TIL disclosure
date is not later than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before
consummation of the transaction, or the application date of the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The loan is a "residential
mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The initial TIL disclosure
date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA RESPA Integrated Disclosures
(TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial Loan Estimate Delivery
Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver
or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third
business day after the creditor receives the consumer's application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Initial Loan Estimate Delivery
Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver
or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i) (provision of loan estimate form) not later than the
seventh business day before consummation of the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Written List of Service Providers
(SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the consumer is permitted
to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that
settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least
one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written
list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the
timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Your Home Loan Toolkit (§1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify there is evidence that
the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Validate Your Home Loan Toolkit
was delivered or placed in the mail not later than three (3) business days after receipt of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Borrowers Intent to Proceed
(§1026.19); (§1026.25)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify there is evidence in
the file indicating the borrowers intent to proceed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the lender documents the
borrowers intent to proceed on a standalone disclosure, validate the borrower signed and dated the disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Revised Loan Estimate Delivery
Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall not provide
a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures
required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i)
not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is
not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor
delivers or places such version in the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Valid Change of Circumstances
Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The changed circumstance(s)
form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Changed circumstance affecting
settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed circumstance affecting
eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions requested by the
consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration of initial loan
estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed settlement date on
a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The date the rate was set was
not provided and Interest rate dependent charges change once the interest rate is locked;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The reason for re-disclosure
is "Decrease in charges affecting settlement or eligibility, a consumer-requested revision, or other non-tolerance-related re-disclosure;"
or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The initial loan estimate was
not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Initial Closing Disclosure
Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall ensure that
the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Revised Closing Disclosure
Delivery Date Test (waiting period vs. no waiting period required) (12 CFR §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the disclosures provided
under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed
terms to the consumer so that the consumer receives the corrected disclosures at or before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the consumer determines
that the extension of credit is needed to meet a bona fide personal financial emergency, the consumer may modify or waive the three-business-day
waiting period for the revised closing disclosure after receiving the disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID Tolerance Testing - Charges
That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed
pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed
under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID Tolerance Testing - Charges
That in Total Cannot Increase More Than 10% Test (12 CFR §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The aggregate amount of charges
for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed
under §1026.19(e)(1)(i) by more than 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID Tolerance Testing - Lender
Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed
pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed
under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID Reimbursement Amount Test
(12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good
faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies
with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID Reimbursement Date Test
(12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good
faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies
with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Disclosure of Escrow Account
(§1026.38(l)(7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan indicates an escrow
account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed
in the Projected Payments Table are accurate (§1026.38)(c); (§1026.37(c)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed
in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate (§1026.37(c)(4),(5)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed
in Section G – Initial Escrow Payment and Closing are accurate (§1026.37(g)(3)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify all amounts disclosed
in the Escrow Account Section are accurate (§1026.38(l)(7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the loan indicates an escrow
account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed
in the Projected Payments Table are accurate (§1026.38(c); (§1026.37(c)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed
in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate (§1026.37(c)(4), (5)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed
in the Escrow Account Section are accurate (§1026.38(l)(7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure of Seller Paid Closing
Costs (§1026.38(t)(5)(v)(B)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. In transactions involving a
seller, validate whether the lender disclosed all costs being paid by the seller on the borrowers Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If seller paid fees are present
on the borrower's Closing Disclosure, review the seller's Closing Disclosure or alternative documentation for accuracy of
disclosure

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. Post-consummation Event and
Revised Closing Disclosure Delivery Date Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The post-consummation revised
closing disclosure delivery date is not more than 60 calendar days after the consummation date, or closing / settlement date if no consummation
date was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The provided reimbursement
date is not more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Non-numeric Clerical Error
and Post-consummation Revised Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor does not violate
§1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i) contain non-numeric clerical errors, provided the creditor
delivers or places in the mail corrected disclosures no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan Calculation Test on the
Closing Disclosure (12 CFR §1026.38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified Mortgage / Ability
To Repay – Dodd Frank

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Classification of QM designated
loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate whether the mortgage
loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to
the applicable average prime offer rate plus a certain applicable percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Determination of conformity
thresholds (Safe Harbor or Rebuttable Presumption

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Negative Amortization Loan
(12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered
transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change
after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not result in an increase of
the principal balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Interest Only Loan (12 CFR
1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered
transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change
after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not allow the consumer to defer
repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon Payment Loan (12 CFR
1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered
transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change
after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not result in a balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered
transaction for which the loan term does not exceed 30 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees do not exceed
the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ratio of the consumer's
total monthly debt to total monthly income at the time of consummation does not exceed 43 percent, calculated in accordance with Appendix
Q

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Prepayment Penalty (12 CFR
1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A covered transaction must
not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The prepayment penalty is otherwise
permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Has an annual percentage rate
that cannot increase after consummation;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Is a qualified mortgage under
paragraph (e)(2), (e)(4), or (f) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Is not a Higher Priced Mortgage
Loan, as defined in § 1026.35(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home Ownership and Equity Protection
Act – HOEPA (Sections 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Federal HOEPA coverage (12
CFR §1026.32(a)(1)(i), (ii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Tests that the loan is/is not
secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Tests that the loan is/ is
not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. That the application date of
the loan occurs before/ after the effective date of October 1, 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. That the date the creditor
received application occurs on or after January 10, 2014, the effective date of the High-Cost Mortgage amendments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High-Cost Mortgage APR threshold
test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is secured by a first-lien
transaction, and the annual percentage rate (APR) does not exceed the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The loan is a subordinate-lien
transaction, and the annual percentage rate (APR), does not exceed the Average Prime Offer Rate by more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost Mortgage Points and
Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The total points and fees does
not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost Mortgage Prepayment
Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan contract or open-end
credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A prepayment penalty more than
36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment penalties that can
exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost Mortgage (12 CFR
§1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost Mortgage Repayment
Ability Test (12 CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other high-costs tests pursuant
to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Pre-loan counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Late charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher Priced Mortgage Loan
– HMPL (section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher Priced Mortgage Loan
test (12 CFR §1026.35(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher Priced Mortgage Loan
required escrow account test (12 CFR §1026.35(a)(1), (b)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Higher Priced Mortgage Loan
prepayment term test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Higher Priced Mortgage Loan
escrow account test (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited Acts – Brokers
Comp

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Broker Compensation Test (12
CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives
compensation directly from a consumer in a consumer credit transaction secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. No loan originator shall receive
compensation, directly or indirectly, from any person other than the consumer in connection with the transaction; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No person who knows or has
reason to know of the consumer-paid compensation to the loan originator (other than the consumer) shall pay any compensation to a loan
originator, directly or indirectly, in connection with the transaction

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide Mortgage Licensing
System (NMLS) Tests (12 CFR §1026.36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. review for presence of mortgage
loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note
or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify the data against the
NMLSR database, as available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal RESPA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Homeownership Counseling Organizations
Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than three business
days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender
must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant
counseling services in the loan applicant's location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The list of homeownership counseling
organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the
list is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Good Faith Estimate Disclosure
Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than 3 business days
after a loan originator (broker or lender) receives an application for a federally related mortgage loan, or information sufficient to
complete an application, the loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good Faith Estimate Disallowed
Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Looks for any amounts entered
for both a loan discount fee and a yield spread premium or a lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Only one charge or one credit
affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA Valuation Rule (12 CFR
§1002.14(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review all applicable loans
for the Disclosure of Right to Receive a Copy of Appraisals. Validate if the customer(s) waived their right to receive copies of their
appraisals three business days prior to consummation/account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review all applicable loans
for proof that lender delivered copies of appraisals and other written valuations three business days before consummation (closed-end),
or account opening (open-end)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If the customer(s) waived their
right to receive copies of their appraisals three business days prior to consummation/account opening, review the Post-Closing submission
for an Acknowledgment of Receipt of Appraisal Report, or other proof that the lender provided provide the copies either at, or prior to,
consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. State Specific tests (varies
by state and applicability, by at a minimum includes);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consumer / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. High cost tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Higher Priced Mortgage Loan
tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. APR threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Points and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Cover loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Negative Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Prepayment tests

Page **10** of **14**

![](ex99-6_001.jpg)

**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial Application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final Application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Approval (1008)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· HUD1 from Sale of Previous
Residence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimates and Closing
Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Contract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Guaranty Agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy Affidavit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Lease Agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Business Purpose Affidavit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Junior Lien Information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subordination Agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Employment Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 4506T/Tax Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Change of Circumstance Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Disclosures: Right of Rescission,
Net Tangible Benefit and FACTA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal Valuation Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title/Preliminary Title

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Flood and Hazard Insurance
Policies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Flood Certificates

**Other review and methodology**

Not applicable.

Page **11** of **14**

![](ex99-6_001.jpg)

**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

Page **12** of **14**

![](ex99-6_001.jpg)

**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp; **Credit** <br> **Grade A** | &nbsp;&nbsp; **Credit** <br> **Grade B** | &nbsp;&nbsp; **Credit** <br> **Grade C** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;General Underwriting Guideline Violation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income and Assets | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance and Title | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Legal Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp;**Compliance<br> Grade A** | &nbsp;&nbsp;**Compliance<br> Grade B** | &nbsp;&nbsp;**Compliance<br> Grade C** |
| &nbsp;&nbsp;Regulatory Compliance | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp; **Property** <br> **Grade A** | &nbsp;&nbsp; **Property** <br> **Grade B** | &nbsp;&nbsp; **Property** <br> **Grade C** |
| &nbsp;&nbsp;Collateral | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of<br> Discrepancies** | &nbsp;&nbsp; **% of** <br> **Accuracy** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Appraisal Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Appraiser Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Back/Qual DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Coborrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |

---

Page **13** of **14**

![](ex99-6_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Coborrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type Level | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Front DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FTHB Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Qualifying DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Qualifying DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original / Note Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Term to Maturity | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Self Employed Mortgagor | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Self Employed Co-Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**98.91%** |

---

Page **14** of **14**

## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-6sch1_001.jpg) | Date Submitted: | 4/10/2024 |
| Client Name: | PRP-Annex VI, LLC | Report: | Exception Report |
| Deal Name: | PRPM 2026-RCF2 | Loans in report: | 2 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **General Category** | **Exception** | **Exception ID** | **Date Exception Cured Waived Updated** | **Description of Clearance** | **Comments** | **Compensating Factors** | **Exception Status** | **Exception Category** | **Exception Event Level** | **Initial Review Date** | **Occupancy Type** | **Property State** | **Note Date** | **Loan Purpose** | **TILA Rating** | **Loan Initial** | **Loan Final** | **Credit Initial** | **Credit Final** | **Compliance Initial** | **Compliance Final** | **Property Initial** | **Property Final** |
| 4/10/2024 | 163556 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Seller Approved Exception; borrower's FICO of XXX did not meet minimum required 680. Compensating Factors:1. XXX Months of reserves exceed min required 3 months. 2. Paying off high interest loan.3. DSC XXX% exceeds min required 100.1% | 7001-900 | 6/10/2019 | Waived/Exception Granted |  | Compensating Factors: 1. XXX Months of reserves exceed min required 3 months. 2. Paying off high interest loan. 3. DSC XXX% exceeds min required 100.1% | Waived | Credit | EG2 | 6/10/2019 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 4/10/2024 | 163559 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Borrower address on hazard insurance is the same as the subject property indicating owner occupancy | 7001-1245 | 8/30/2019 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors: 1. XXX% LTV; XXX% below 70% maximum 2. No public records 3. Borrower has been self-employed for the last XXX years 4. DSC ratio of XXX%; XXX% greater than 100% minimum | Cleared | Compliance | EG1 | 8/7/2019 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 | EG1 | EG1 |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-6sch2_001.jpg) | Date Submitted: | 4/10/2024 |
| Client Name: | PRP-Annex VI, LLC | Report: | Final Tape Compare |
| Deal Name: | PRPM 2026-RCF2 | Loans in report: | 2 |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **Field** | **Final Tape Data** | **Reviewer Data** |
| 4/10/2024 | 163559 | XXX | XXX | XXX | Amortization Term | 480 | 360 |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-6sch3_001.jpg) | Date Submitted: | 4/10/2024 |
| Client Name: | PRP-Annex VI, LLC | Report: | Loan Level Exceptions |
| Deal Name: | PRPM 2026-RCF2 | Loans in report: | 2 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **Open Material Exceptions** | **Open Non Material Exceptions** | **Cleared Exceptions** | **Cured Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Initial Review Date** | **Occupancy Type** | **Property State** | **Note Date** | **Loan Purpose** | **TILA Rating** | **Loan Initial** | **Loan Final** | **Credit Initial** | **Credit Final** | **Compliance Initial** | **Compliance Final** | **Property Initial** | **Property Final** |
| 4/10/2024 | 163556 | XXX | XXX | XXX |  |  |  |  | 1) Seller Approved Exception; borrower's FICO of XXX did not meet minimum required 680. Compensating Factors:1. XXX Months of reserves exceed min required 3 months. 2. Paying off high interest loan.3. DSC XXX% exceeds min required 100.1% | Compensating Factors: 1. XXX Months of reserves exceed min required 3 months. 2. Paying off high interest loan. 3. DSC XXX% exceeds min required 100.1% | 6/10/2019 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 4/10/2024 | 163559 | XXX | XXX | XXX |  |  | 1) Borrower address on hazard insurance is the same as the subject property indicating owner occupancy |  |  | Compensating Factors: 1. XXX% LTV; XXX% below 70% maximum 2. No public records 3. Borrower has been self-employed for the last XXX years 4. DSC ratio of XXX%; XXX% greater than 100% minimum | 8/7/2019 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 | EG1 | EG1 |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-6sch4_001.jpg) | Date Submitted: | 4/10/2024 |
| Client Name: | PRP-Annex VI, LLC | Report: | QM ATR |
| Deal Name: | PRPM 2026-RCF2 | Loans in report: | 2 |

---

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Borrower Employment Status** | **Co Borrower Employment Status** | **Loan Application Date** | **Regulatory Loan Purpose** | **APR** | **Points Fees** | **QM Designation** | **ATR Status** | **Rate Lock Date** | **Residual Income Originator** | **QM Agency UW Test** | **Executed ATR Docs In File** | **QM ATR Exempt Reason** | **VSH Seller Indicator** | **VSH Seller Guide Method** | **VSH Validated** |
| 4/10/2024 | 163556 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Business Purpose |  |  | Not covered / exempt | Compliant |  |  | N |  | Investor Property N |  |  |  |
| 4/10/2024 | 163559 | XXX | XXX | Borrower is a Foreign National - Legal residency has been verified |  | Self-employed |  | XXX | Business Purpose |  |  | Not covered / exempt |  |  |  | N |  | Investor Property N |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-6sch5_001.jpg) | Date Submitted: | 4/10/2024 |  |  |  |  |  |  |  |  |
| Client Name: | PRP-Annex VI, LLC | Report: | Rating Agency Grades |  |  |  |  |  |  |  |  |
| Deal Name: | PRPM 2026-RCF2 | Loans in report: | 2 |  |  |  |  |  |  |  |  |
|  |  |  |  | **INITIAL CREDIT GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL PROPERTY GRADES** | **FINAL OVERALL LOAN GRADES** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **Loan Amount** |
| 4/10/2024 | 163556 | XXX | XXX | XXX | XXX C A B |
| 4/10/2024 | 163559 | XXX | XXX | XXX | XXX A C |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 6**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-6sch6_001.jpg) | Date Submitted: | 4/10/2024 |
| Client Name: | PRP-Annex VI, LLC | Report: | Valuation Summary |
| Deal Name: | Goldman to Balbec 12-1-25 | Loans in report: | 2 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **Origination Date** | **Original Loan Amount** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Date** | **Original Appraisal Form** | **Property Value Used for Loan to Value1** | **Second Appraisal/ Valuation Value** | **Second Appraisal/ Valuation Variance Amount** | **Second Appraisal/ Valuation Percent** | **Second Appraisal/ Valuation Date** | **Second Full Appraisal Property Value** | **Second Full Appraisal Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Desk Review Property Value** | **Variance Percent** | **Desk Review Risk Score** | **Desk Review Date** | **Form 2055 Appraisal Property Value** | **Form 2055 Appraisal Appraisal Date** | **Original Automated Valuation Model AVM Property Value** | **Original Automated Valuation Model AVM Appraisal Date** | **Broker s Price Opinion BPO Property Value** | **Broker s Price Opinion BPO Appraisal Date** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Collateral Underwriter Risk Score** |
| 4/10/2024 | 163556 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | $0.00 | 0% | XXX CDA |  |  |  |  | XXX | 0.00% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 4/10/2024 | 163559 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | $0.00 | 0% | XXX CDA |  |  |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |

---

## Exhibit 99.7

**Exhibit 99.7**

![](ex99-7_002.jpg)

![](ex99-7_001.jpg)

**EXECUTIVE SUMMARY**

**PRPM 2026-RCF2**

**March 12, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 13.0 |
| Tape Integrity Review Results Summary | 14.0 |
| Additional Loan Population Summary | 18.0 |
| Pay History Review | 22.0 |
| Methods for Accounting for Delinquencies | 32.0 |
| Collection Comments Review | 33.0 |
| Foreclosure | 34.0 |
| Bankruptcy | 34.0 |
| Tax and Title | 35.0 |
| Compliance Review | 36.0 |

---

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**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

**(1) Type of assets that were reviewed.**

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by PRP-Annex VI, LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The population reviewed is comprised of eight hundred thirty-one (831) mortgage loans that were originally reviewed from August 2025 to February 2026.

**(2) Size of the assets reviewed.**

The mortgage loan review was broken down into the following review scopes:

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Compliance Review" 830 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Data Integrity" 831 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Servicing Review" 831 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Title Review" 830 Mortgage Loans

**(3) Determination of the sample size and computation.**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

For eight hundred thirty-one (831) mortgage loans, Infinity compared data fields on the bid tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Look back Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Not Applicable

**(6) Value of collateral securing the assets: review and methodology.**

Not Applicable

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**(7) Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for eighteen (18) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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**(8) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

Infinity completed a Compliance Review on eight hundred and thirty (830) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Infinity to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Infinity are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

Infinity reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission
period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

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&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL
disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of
applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation
to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, Infinity reviewed the relevant
documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or
governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement
and/or governing policies and procedures, Infinity's review was limited to formal general statements of entity compliance provided
by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage
loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership
counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage loan require
arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly,
any premiums or fees for credit insurance.

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&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator organization
and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security
instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect
at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider
list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided
to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement
form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement
Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

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viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm that the list of homeownership counselling
organizations was obtained no earlier than 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or
after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs
provided prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or
after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges
disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

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vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in
the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;
and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards
(12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including
qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the
Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain
creditors (12 C.F.R. 1026.43(f)).

Infinity reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

 

<u>Qualified Mortgage</u>

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity reviews the Automated Underwriting System output within the file to confirm agency eligibility.

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For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Infinity then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of non-QM compliant or non-compliant.

 

<u>General Ability to Repay</u>

Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Eight hundred and thirty (830) loans received a Compliance-Only review. This review included a review of the loan file and analysis of the corresponding Seller tape and defect to determine whether the Creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This review also includes, where applicable, a review of third-party records available in the loan file including but not limited to bank statements, tax returns, financial statements, W2s, VOEs, lease agreements, business licenses and appraisals.

 

Infinity reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Infinity does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity to review, and only reflects information as of that point in time.

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**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of
appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

Infinity noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Infinity reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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![](ex99-7_002.jpg)

In addition, Infinity accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

Infinity reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain other disclosures related to the enumerated
tests set forth herein.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch").

**OVERALL RESULTS SUMMARY (830 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements only covers eight hundred and thirty (830) mortgage loans. Within those mortgage loans, Infinity graded one hundred and seventeen (117) mortgage loans as "A", three hundred and twenty-five (325) mortgage loans as "B", twenty-one (21) mortgage loans as "C" and three hundred and sixty-seven (367) mortgage loans as "D".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;117 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;325 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;325 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;21 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;367 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;367 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14.10% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;14.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;39.16% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;39.16% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2.53% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;2.53% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;44.22% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;44.22% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan File Review Overall Results** | &nbsp;&nbsp;**Loan File Review Overall Results** | &nbsp;&nbsp;**Loan File Review Overall Results** | &nbsp;&nbsp;**Loan File Review Overall Results** |
| &nbsp;&nbsp;**Event Level** | &nbsp;&nbsp;**Loan Counts** | &nbsp;&nbsp;**% of Total Sample** | &nbsp;&nbsp;**Original Loan Amount** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;117 | &nbsp;&nbsp;14.10% | &nbsp;&nbsp;$39069702.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;325 | &nbsp;&nbsp;39.16% | &nbsp;&nbsp;$111471421.23 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;21 | &nbsp;&nbsp;2.53% | &nbsp;&nbsp;$6480358.00 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;367 | &nbsp;&nbsp;44.22% | &nbsp;&nbsp;$134214924.10 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**830** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$291236405.33** |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY (831 MORTGAGE LOANS)**

Of the eight hundred thirty-one (831) mortgage loans reviewed, 814 (97.95%) mortgage loans had tape discrepancies across seventy-Six (76) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of<br> Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Age of Loan | &nbsp;&nbsp;234 | &nbsp;&nbsp;831 | &nbsp;&nbsp;28.16% |
| &nbsp;&nbsp;ARM Index Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;831 | &nbsp;&nbsp;1.68% |
| &nbsp;&nbsp;ARM Lifetime Cap Rate | &nbsp;&nbsp;21 | &nbsp;&nbsp;831 | &nbsp;&nbsp;2.53% |
| &nbsp;&nbsp;Balloon Indicator | &nbsp;&nbsp;8 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Bankruptcy (Post-Loan Origination)? | &nbsp;&nbsp;25 | &nbsp;&nbsp;831 | &nbsp;&nbsp;3.01% |
| &nbsp;&nbsp;Bankruptcy Filing Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Borrower #1 Middle Name | &nbsp;&nbsp;38 | &nbsp;&nbsp;831 | &nbsp;&nbsp;4.57% |
| &nbsp;&nbsp;Borrower #2 First Name | &nbsp;&nbsp;41 | &nbsp;&nbsp;831 | &nbsp;&nbsp;4.93% |
| &nbsp;&nbsp;Borrower #2 Last Name | &nbsp;&nbsp;16 | &nbsp;&nbsp;831 | &nbsp;&nbsp;1.93% |
| &nbsp;&nbsp;Borrower #2 Middle Name | &nbsp;&nbsp;12 | &nbsp;&nbsp;831 | &nbsp;&nbsp;1.44% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;305 | &nbsp;&nbsp;831 | &nbsp;&nbsp;36.70% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;118 | &nbsp;&nbsp;831 | &nbsp;&nbsp;14.20% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;43 | &nbsp;&nbsp;831 | &nbsp;&nbsp;5.17% |
| &nbsp;&nbsp;Cash To Borrower (HUD-1 Line 303) | &nbsp;&nbsp;18 | &nbsp;&nbsp;831 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Current Legal Status | &nbsp;&nbsp;19 | &nbsp;&nbsp;831 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;Current Occupancy | &nbsp;&nbsp;10 | &nbsp;&nbsp;831 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;Current Value | &nbsp;&nbsp;644 | &nbsp;&nbsp;831 | &nbsp;&nbsp;77.50% |
| &nbsp;&nbsp;Currently in Foreclosure? | &nbsp;&nbsp;55 | &nbsp;&nbsp;831 | &nbsp;&nbsp;6.62% |
| &nbsp;&nbsp;Debt Service Coverage Ratio (DSCR) | &nbsp;&nbsp;3 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.36% |
| &nbsp;&nbsp;Deferred Balance Amount | &nbsp;&nbsp;17 | &nbsp;&nbsp;831 | &nbsp;&nbsp;2.05% |
| &nbsp;&nbsp;Did a Modification Change Note Terms? | &nbsp;&nbsp;38 | &nbsp;&nbsp;831 | &nbsp;&nbsp;4.57% |
| &nbsp;&nbsp;Doc Date of Last Modification | &nbsp;&nbsp;23 | &nbsp;&nbsp;831 | &nbsp;&nbsp;2.77% |
| &nbsp;&nbsp;Does Lender G/L Require MI? | &nbsp;&nbsp;57 | &nbsp;&nbsp;831 | &nbsp;&nbsp;6.86% |
| &nbsp;&nbsp;Escrow Account Indicator | &nbsp;&nbsp;37 | &nbsp;&nbsp;831 | &nbsp;&nbsp;4.45% |
| &nbsp;&nbsp;First Pay Change Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;831 | &nbsp;&nbsp;1.68% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;39 | &nbsp;&nbsp;831 | &nbsp;&nbsp;4.69% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;Housing Ratio per U/W (Initial Rate) | &nbsp;&nbsp;163 | &nbsp;&nbsp;831 | &nbsp;&nbsp;19.61% |
| &nbsp;&nbsp;Interest Only Period? | &nbsp;&nbsp;5 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;Interest Only Term Months Count | &nbsp;&nbsp;1 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Interest Paid Through Date | &nbsp;&nbsp;64 | &nbsp;&nbsp;831 | &nbsp;&nbsp;7.70% |
| &nbsp;&nbsp;Is PMI Active? | &nbsp;&nbsp;243 | &nbsp;&nbsp;831 | &nbsp;&nbsp;29.24% |
| &nbsp;&nbsp;Is REO Active? | &nbsp;&nbsp;75 | &nbsp;&nbsp;831 | &nbsp;&nbsp;9.03% |
| &nbsp;&nbsp;Lien Priority Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.36% |
| &nbsp;&nbsp;Loan Amortization Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;831 | &nbsp;&nbsp;2.29% |

---

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![](ex99-7_002.jpg)

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Loan Documentation Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;831 | &nbsp;&nbsp;1.68% |
| &nbsp;&nbsp;Loan Original Maturity Term Months | &nbsp;&nbsp;14 | &nbsp;&nbsp;831 | &nbsp;&nbsp;1.68% |
| &nbsp;&nbsp;MERS MIN Number | &nbsp;&nbsp;7 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.84% |
| &nbsp;&nbsp;MI Company | &nbsp;&nbsp;27 | &nbsp;&nbsp;831 | &nbsp;&nbsp;3.25% |
| &nbsp;&nbsp;MI Coverage Amount | &nbsp;&nbsp;18 | &nbsp;&nbsp;831 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Modification Amount Capitalized | &nbsp;&nbsp;1 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Modification First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Modification Interest Bearing Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Modification Original P&I | &nbsp;&nbsp;3 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.36% |
| &nbsp;&nbsp;Modification Original Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.36% |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Neg. Amort Potential? | &nbsp;&nbsp;33 | &nbsp;&nbsp;831 | &nbsp;&nbsp;3.97% |
| &nbsp;&nbsp;Number Of Units | &nbsp;&nbsp;4 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.48% |
| &nbsp;&nbsp;Occupancy at Origination (Property Usage Type) | &nbsp;&nbsp;17 | &nbsp;&nbsp;831 | &nbsp;&nbsp;2.05% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;45 | &nbsp;&nbsp;831 | &nbsp;&nbsp;5.42% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;105 | &nbsp;&nbsp;831 | &nbsp;&nbsp;12.64% |
| &nbsp;&nbsp;Original Balance (or Line Amount) | &nbsp;&nbsp;7 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.84% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;160 | &nbsp;&nbsp;831 | &nbsp;&nbsp;19.25% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;123 | &nbsp;&nbsp;831 | &nbsp;&nbsp;14.80% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;188 | &nbsp;&nbsp;831 | &nbsp;&nbsp;22.62% |
| &nbsp;&nbsp;Original Stated P&I | &nbsp;&nbsp;47 | &nbsp;&nbsp;831 | &nbsp;&nbsp;5.66% |
| &nbsp;&nbsp;Original Stated Rate | &nbsp;&nbsp;25 | &nbsp;&nbsp;831 | &nbsp;&nbsp;3.01% |
| &nbsp;&nbsp;Payment History String | &nbsp;&nbsp;227 | &nbsp;&nbsp;831 | &nbsp;&nbsp;27.32% |
| &nbsp;&nbsp;Periodic Rate Change Cap Down | &nbsp;&nbsp;1 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Prepayment Penalty Indicator | &nbsp;&nbsp;1 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Principal Balance Stated in Mod | &nbsp;&nbsp;4 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.48% |
| &nbsp;&nbsp;Property Address Street | &nbsp;&nbsp;115 | &nbsp;&nbsp;831 | &nbsp;&nbsp;13.84% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;6 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;Property Postal Code | &nbsp;&nbsp;3 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.36% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;2 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Purpose of Refinance Per HUD-1 | &nbsp;&nbsp;86 | &nbsp;&nbsp;831 | &nbsp;&nbsp;10.35% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;38 | &nbsp;&nbsp;831 | &nbsp;&nbsp;4.57% |
| &nbsp;&nbsp;Purpose Per Application | &nbsp;&nbsp;19 | &nbsp;&nbsp;831 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;Rate Adjustment Subsequent Cap Percent | &nbsp;&nbsp;20 | &nbsp;&nbsp;831 | &nbsp;&nbsp;2.41% |
| &nbsp;&nbsp;Referral Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.36% |
| &nbsp;&nbsp;Sales Price (HUD-1 Line 101) | &nbsp;&nbsp;15 | &nbsp;&nbsp;831 | &nbsp;&nbsp;1.81% |
| &nbsp;&nbsp;Stated Maturity Date | &nbsp;&nbsp;54 | &nbsp;&nbsp;831 | &nbsp;&nbsp;6.50% |
| &nbsp;&nbsp;Stated Remaining Term | &nbsp;&nbsp;93 | &nbsp;&nbsp;831 | &nbsp;&nbsp;11.19% |
| &nbsp;&nbsp;Subject Property Detached/Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;87 | &nbsp;&nbsp;831 | &nbsp;&nbsp;10.47% |
| &nbsp;&nbsp;Total Balance of Junior Lien(s) | &nbsp;&nbsp;7 | &nbsp;&nbsp;831 | &nbsp;&nbsp;0.84% |

---

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**ADDITIONAL LOAN POPULATION SUMMARY (830 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;777 | &nbsp;&nbsp;93.61% | &nbsp;&nbsp;$271546265.33 | &nbsp;&nbsp;93.24% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;53 | &nbsp;&nbsp;6.39% | &nbsp;&nbsp;$19690140.00 | &nbsp;&nbsp;6.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**830** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$291236405.33** | &nbsp;&nbsp;**100.00%** |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;816 | &nbsp;&nbsp;98.31% | &nbsp;&nbsp;$289189638.33 | &nbsp;&nbsp;99.30% |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.69% | &nbsp;&nbsp;$2046767.00 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**830** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$291236405.33** | &nbsp;&nbsp;**100.00%** |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$202410.00 | &nbsp;&nbsp;0.07% |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown | &nbsp;&nbsp;124 | &nbsp;&nbsp;14.94% | &nbsp;&nbsp;$39965236.23 | &nbsp;&nbsp;13.72% |
| &nbsp;&nbsp;Limited Cash-Out (GSE Definition) | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.08% | &nbsp;&nbsp;$3383595.00 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;306 | &nbsp;&nbsp;36.87% | &nbsp;&nbsp;$112579003.00 | &nbsp;&nbsp;38.66% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;235 | &nbsp;&nbsp;28.31% | &nbsp;&nbsp;$91371826.00 | &nbsp;&nbsp;31.37% |
| &nbsp;&nbsp;Rate/Term Refinance -- Borrower initiated | &nbsp;&nbsp;139 | &nbsp;&nbsp;16.75% | &nbsp;&nbsp;$39370540.00 | &nbsp;&nbsp;13.52% |
| &nbsp;&nbsp;Construction to Permanent | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.96% | &nbsp;&nbsp;$3108314.00 | &nbsp;&nbsp;1.07% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.96% | &nbsp;&nbsp;$1255481.10 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**830** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$291236405.33** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99-7_002.jpg)

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;99 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$19349.31 | &nbsp;&nbsp;0.01% |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;$253810.00 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;176 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$56000.00 | &nbsp;&nbsp;0.02% |
| &nbsp;&nbsp;178 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$60500.00 | &nbsp;&nbsp;0.02% |
| &nbsp;&nbsp;180 Months | &nbsp;&nbsp;35 | &nbsp;&nbsp;4.22% | &nbsp;&nbsp;$7839183.00 | &nbsp;&nbsp;2.69% |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;18 | &nbsp;&nbsp;2.17% | &nbsp;&nbsp;$8194801.00 | &nbsp;&nbsp;2.81% |
| &nbsp;&nbsp;291 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$128019.00 | &nbsp;&nbsp;0.04% |
| &nbsp;&nbsp;300 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.60% | &nbsp;&nbsp;$853561.00 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;319 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$311751.00 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;323 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$975000.00 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;328 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$584362.00 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;331 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$210806.00 | &nbsp;&nbsp;0.07% |
| &nbsp;&nbsp;334 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$91339.00 | &nbsp;&nbsp;0.03% |
| &nbsp;&nbsp;335 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$198541.00 | &nbsp;&nbsp;0.07% |
| &nbsp;&nbsp;350 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$266700.00 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;351 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$329194.00 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;354 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$225713.00 | &nbsp;&nbsp;0.08% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;745 | &nbsp;&nbsp;89.76% | &nbsp;&nbsp;$267755626.02 | &nbsp;&nbsp;91.94% |
| &nbsp;&nbsp;480 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.48% | &nbsp;&nbsp;$1015250.00 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Blank | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.84% | &nbsp;&nbsp;$1866900.00 | &nbsp;&nbsp;0.64% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**830** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$291236405.33** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;700 | &nbsp;&nbsp;84.34% | &nbsp;&nbsp;$248055548.33 | &nbsp;&nbsp;85.17% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;32 | &nbsp;&nbsp;3.86% | &nbsp;&nbsp;$13556174.00 | &nbsp;&nbsp;4.65% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;98 | &nbsp;&nbsp;11.81% | &nbsp;&nbsp;$29624683.00 | &nbsp;&nbsp;10.17% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**830** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$291236405.33** | &nbsp;&nbsp;**100.00%** |

---

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**PAY HISTORY REVIEW**

Infinity performed a collection comment, pay history, Pacer, and servicing information review on eight hundred thirty-one (831) loans within this pool. The following is a summary of our conclusions and findings surrounding this analysis. Please keep in mind that this review did not include an operational or gap audit to look for servicing practices and vendor management process governance as it relates to foreclosure and/or bankruptcy.

Infinity reviewed the servicer payment history for each loan to establish a payment activity and history string. Infinity reviewed the payment application and determined how it impacted the contractual due dates on the loans in the portfolio with the primary focus of determining cash flows, last payment received, payment string, and next payment due (not to exclude escrow, late, and servicing charges) information based on the as of dates of the payment histories received.

Due to servicing transfers and multiple servicers, seven hundred and forty-nine (749) of the loans did not have complete payment histories for the last 12 months. In some cases, there were 1 month missing, in some cases three months. Infinity pulled new credit reports for the seven hundred and forty-nine (749) borrowers and confirmed the payment string based on the servicer reporting in the credit report.

A breakdown of the loans and as of dates for the review are below:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Pay History** | &nbsp;&nbsp;**Pay History** |
| &nbsp;&nbsp;**As of Date** | &nbsp;&nbsp;**Total Loans** |
| &nbsp;&nbsp;1/6/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;6/30/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;8/1/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;8/4/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;8/8/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/15/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;8/18/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;8/20/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/25/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/29/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;9/4/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/5/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/8/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;9/9/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/11/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;9/15/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;9/16/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/22/2025 | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;9/23/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;9/24/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;9/25/2025 | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;9/26/2025 | &nbsp;&nbsp;4 |

---

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![](ex99-7_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;9/29/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;9/30/2025 | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;10/1/2025 | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;10/2/2025 | &nbsp;&nbsp;34 |
| &nbsp;&nbsp;10/3/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;10/6/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;10/7/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;10/8/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;10/9/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/10/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;10/13/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;10/14/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/15/2025 | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;10/16/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;10/17/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;10/20/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;10/21/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/22/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;10/23/2025 | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;10/24/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;10/27/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;10/28/2025 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;10/29/2025 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;10/30/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;10/31/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;11/1/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/3/2025 | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;11/4/2025 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;11/5/2025 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;11/6/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;11/7/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;11/8/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/10/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;11/11/2025 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;11/12/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;11/13/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;11/14/2025 | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;11/15/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;11/16/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/17/2025 | &nbsp;&nbsp;8 |

---

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![](ex99-7_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;11/18/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;11/19/2025 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;11/20/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;11/21/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;11/24/2025 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;11/25/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;11/26/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;11/27/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/30/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;12/1/2025 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;12/2/2025 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;12/3/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;12/4/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;12/5/2025 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;12/6/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/8/2025 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;12/9/2025 | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;12/10/2025 | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;12/11/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;12/12/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;12/14/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;12/15/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;12/16/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;12/17/2025 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;12/18/2025 | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;12/19/2025 | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;12/22/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/23/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;12/29/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/31/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;1/1/2026 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;1/2/2026 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;1/5/2026 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;1/6/2026 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;1/7/2026 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;1/8/2026 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;1/9/2026 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;1/12/2026 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;1/13/2026 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;1/14/2026 | &nbsp;&nbsp;9 |

---

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![](ex99-7_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;1/15/2026 | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;1/16/2026 | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;1/19/2026 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/21/2026 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;1/22/2026 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/23/2026 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/27/2026 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/28/2026 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;1/29/2026 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;1/31/2026 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/1/2026 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/2/2026 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/11/2026 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/17/2026 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**831** |

---

Data points surrounding 24 months of payment history (as defined as the most recent 24 months available during the period of January 2025 to February 2026) were also collected to determine loan status and data integrity. Infinity identified minor discrepancies between the servicer's payment string and the audited payment string and determined that Client was able to provide an explanation, when applicable, for any noted discrepancies. Based on our analysis, Infinity determined that the majority of the loans were found to be performing.

**METHODS OF ACCOUNTING FOR DELINQUENCIES**

The client utilizes the MBA method of defining delinquency status, which is typical in the current market. Below is a table that represents the delinquency coding methodology used during our analysis.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Delinquency<br> String** | &nbsp;&nbsp;**Delinquency Reason** |
| &nbsp;&nbsp;0 | &nbsp;&nbsp;Less than 30 Days |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;30 – 59 Days |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;60 – 89 Days |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;90 – 119 Days |
| &nbsp;&nbsp;4 | &nbsp;&nbsp;120+ Days |

---

**Payment Posting**

During the review, Infinity was able to isolate key payment transaction codes that identified payment receipt and helped to determine whether the transactions were posted with an accurate "effective date". The net payment amount received and applied to the account including principal, interest, and escrow payments represent activity through month end and include payment reversals.

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**Partial Payments**

In the event that a payment received from the borrower is less than the contractual amount due, there are two types of processes used by sellers to handle partial payments: 1) the balance of the payment would be "advanced" to the borrower, or 2) the payment was applied directly to unapplied funds / suspense account.

In the second scenario, the funds are applied to the suspense account, and not the account balance, and therefore the amount of such payment is not recorded as an actual payment in the Client system. The funds may then be held in suspense until the full contractual payment was received.

**Escrow/Corporate Advance Payments**<sup>1</sup>

*Escrow:* The escrow account and/or balance will show funds held in trust to pay taxes and/or insurance. A negative balance indicates that funds have been advanced.

 

*Corporate Advance:* Infinity did not perform a reconciliation of the corporate advances, but did document the total dollar amount of fees advanced by the servicer and made observations in regards to the application of payments made toward the reduction of outstanding balances as represented in the payment history.<sup>2</sup>

 

**COLLECTION COMMENTS REVIEW**

In addition to analyzing payments made to the loans within this pool, Infinity also reviewed the servicing commentary to determine the reason(s) for any documented underperformance of the asset and to identify any indication of potential re-performance.

Infinity will review the servicing history for evidence of mortgage delinquency and for indicators of potential for future delinquency. The Servicing review will include but not necessarily be limited to:

✔ The source data is generally a pdf, text file, or direct access to the servicer's system.

---

| | |
|:---|:---|
| ✔ | 24 months of Servicing Comments: Infinity reviewed the services account history for evidence of borrower communication, collection efforts, NSF and late notices and indicators of potential for future default. Any references of borrower misrepresentation or distressed property conditions were documented with an exception. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Servicing commentary was analyzed to determine the
reason for the asset's underperformance and to identify clues regarding the potential risk for the loan and their ability to re-perform
in the future. Additionally, distressed property conditions, occupancy issues, origination misrepresentations, etc. were identified through
the review of these servicing/collection comments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Property conditions were reviewed to determine if
there were any risks to the collateral.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The current status of the loan of Loss Mitigation,
Bankruptcy, Foreclosure, and/or SCRA was isolated to show the loan status. We verified the Bankruptcy via Pacer. Infinity followed the
following methodology when assigning a delinquency status:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Performing:* Current or less than 30 days past due

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Delinquent in Collection:* At least 30 days past due and may include loans
in bankruptcy or forbearance plans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *In Bankruptcy and may include:* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o *BK-Current:* Current, but comments indicate an active bankruptcy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o *BK-Delinquent*: Delinquent, comments also indicate active bankruptcy

<sup>1</sup> Corporate advances may be deferred until the end of the loan and may not be recoverable.

<sup>2</sup> Client noted that some funds were not separately categorized at the time of the review due multiple servicers handing the loans.

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![](ex99-7_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For Bankruptcy reviews we reviewed the documents and information provider by Pacer
– we obtained key documents from the PACER system to include (if available) – Document History page, Case Summary, Motion
for Relief from Stay, Granted Motion, Employee Income Records, Order Confirming Chapter 13 Plan, Proof of Claim for subject loan, and
Chapter 13 Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Loss Mitigation*: Delinquent, loan is with loss mitigation department working
on resolutions with borrower such as modification, short sale, refinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Foreclosure*: Delinquent, foreclosure process is underway

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *REO:* Foreclosure sale has occurred, property is bank owned

✔ Modification Data: Infinity captured Note data for most recent modification where applicable.

---

| | |
|:---|:---|
| ✔ | Exit Strategy: Infinity reviewed the complete loan file to determine the most effective exit strategy by bucketing loans into various strategic categories. We analyze the current value, income, and the borrower's overall willingness to stay in the home and pay their loan obligations. Those customers who contact the creditor to seek information, explanation of the amount due and/or inquire about or attempt make a payment require customer service. With this information, one will be able to effectively perform a modification, forbearance plan, or select a refinancing and/or cram down option. |

---

---

| | |
|:---|:---|
| ⮚ | Unfortunately, not every borrower showed the willingness and ability to keep the subject property. Those customers who did not respond and attempted to avoid or delay payment for as long as possible require collection enforcement. In cases like this, Infinity reviewed the file for the best course of action is to minimize any more losses by either taking a short sale, Deed in Lieu or by taking the property to liquidation by foreclosure. |

---

Based on the comments reviewed within the collection comments, Infinity has categorized the portfolio as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** |
| &nbsp;&nbsp;**Servicing Status** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**Percentage of<br> Sample** | &nbsp;&nbsp;**Original Balance (or Line<br> Amount)** | &nbsp;&nbsp;**Percentage of<br> Balance** |
| &nbsp;&nbsp;Bankruptcy | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;$542144.00 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Collections | &nbsp;&nbsp;39 | &nbsp;&nbsp;4.69% | &nbsp;&nbsp;$18175068.55 | &nbsp;&nbsp;6.22% |
| &nbsp;&nbsp;Foreclosure | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.48% | &nbsp;&nbsp;$869050.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;3rd Party Sale | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Payment Plan | &nbsp;&nbsp;785 | &nbsp;&nbsp;94.46% | &nbsp;&nbsp;$272420142.78 | &nbsp;&nbsp;93.29% |
| &nbsp;&nbsp;Performing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Charge Off | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Paid in Full | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Litigation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**831** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$292006405.33** | &nbsp;&nbsp;**100.00%** |

---

**FORECLOSURE**

Client servicing comments indicated multiple items to assist with determining this status either a system generated breach letter was issued, if the loan was referred to a foreclosure review committee, approved to proceed, or if the loan was assigned to outside counsel or the updated title provided details of a Lis Pendens. Based on the collection comments, Infinity determined that there were no loans that indicated some type of Foreclosure action.

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![](ex99-7_002.jpg)

**BANKRUPTCY**

Collection comments indicate that the most available action showed loans had bankruptcy at one time. Some loans bankruptcy includes efforts for a motion for relief and proof of claim filings. However, comments that relate to filing the proof of claim, 341 meeting, and motions were not found on all loans, so it was difficult to determine the full action or status as related to the bankruptcy process. Infinity determined that there were thirty-seven (37) loans (4.45%) that indicated some type of Bankruptcy action. Overall, the loans with a bankruptcy status were summarized as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** |
| &nbsp;&nbsp;**Servicing Status** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage of<br> Sample** | &nbsp;&nbsp;**Original Balance (or Line<br> Amount)** | &nbsp;&nbsp;**Percentage of<br> Balance** |
| &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;794 | &nbsp;&nbsp;95.55% | &nbsp;&nbsp;$283447530.23 | &nbsp;&nbsp;97.07% |
| &nbsp;&nbsp;Plan Confirmed | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;$548144.00 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Discharged | &nbsp;&nbsp;18 | &nbsp;&nbsp;2.17% | &nbsp;&nbsp;$5365902.31 | &nbsp;&nbsp;1.84% |
| &nbsp;&nbsp;Dismissed | &nbsp;&nbsp;15 | &nbsp;&nbsp;1.81% | &nbsp;&nbsp;$2536828.79 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Lift Stay | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Proof of Claim | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$108000.00 | &nbsp;&nbsp;0.04% |
| &nbsp;&nbsp;Petition Filed | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Stipulated Agreement | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Referred to Attorney | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**831** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$292006405.33** | &nbsp;&nbsp;**100.00%** |

---

**TAX AND TITLE**

Infinity performed a limited-scope review of recent title reports provided by the client's vendor (reports provided by Pro-Title). Based on the title report, we captured the current lien position, potential assignment chain concerns, concerns with recordation and legal ownership; and any current and delinquent taxes. We noted liens and itemized liens up to 2 Senior and 3 Junior (all others will be summarized in the title findings summary).

We reviewed the subject file as provided by the client/seller and determine if the HUD and Title work performed at origination would indicate coverage and/or lien risk. These documents were used to offset items noted on the current title report which may lower the client's/loan level risk.

If any issue was identified the client was made aware and has made arrangements to assure the curative action has been taken. Based on the review, it was determined that there were no non-curable significant issues on the mortgaged properties.

24 \| Page

**<u>Tax/Municipal Portion</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Type of Taxes – Current or Delinquent** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Current with all Taxes | &nbsp;&nbsp;798 |
| &nbsp;&nbsp;Delinquent at the time of the review<sup>3</sup> | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Tax information unavailable | &nbsp;&nbsp;0 |

---

**<u>Title/Lien Portion</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Lien Level Review** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;First Lien | &nbsp;&nbsp;740 |
| &nbsp;&nbsp;Second Lien <sup>4</sup> | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Other Lien <sup>5</sup> | &nbsp;&nbsp;27 |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**830** |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Type of Liens** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;HOA Lien in Super Lien State | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;MunicipalLieninSuperLienState | &nbsp;&nbsp;13 |

---

**COMPLIANCE REVIEW**<sup>6</sup>

Infinity performed a compliance review on all of the loans in the sample in order to verify that each loan was originated in compliance with applicable federal, state and local anti-predatory lending statutes. If a loan was found to exceed applicable thresholds, additional testing was conducted to confirm additional criteria were met, and proper disclosure was provided to the borrower.

To accomplish this, Infinity captured all itemized closing fees as shown on the final HUD-1, or other acceptable settlement statement, as well as other data elements necessary to generate accurate high-cost threshold testing results. Annual Percentage Rates were recalculated based on the actual data in the file.<sup>7</sup>

Each mortgage loan file was tested for compliance with the federal Truth in Lending Act ("TILA"), as well as federal, state and local anti-predatory lending statutes.

<sup>3</sup> Any delinquent tax amounts were addressed by the Servicer in accordance with its standard servicing procedures in order to ensure that the senior lien of the related Mortgage is maintained on the related Mortgaged Property. In addition to the Title Review conducted by the Infinity at the time of acquisition, the Servicer is monitoring the Mortgage Loans to check for delinquent taxes on the related Mortgaged Properties.

<sup>4</sup> The client has made arrangements to perfect the lien level issues- by corrective recording action, title claims, or lien release actions.

<sup>5</sup> The client has made arrangements to perfect the lien level issues- by corrective recording action, title claims, or lien release actions.

<sup>6</sup> Note that compliance exceptions outside the statute of limitations were considered a non-critical exception for purposes of this review.

7 Note that loans had rate documentation and those parameters were analyzed for adherence to federal, state and local rate thresholds by utilizing the disclosed APR on the final Truth in Lending Disclosure found in the file.

25 \| Page

![](ex99-7_002.jpg)

The Section 32/HOEPA<sup>8</sup> review included, but was not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Rate test

&nbsp;&nbsp;&nbsp;&nbsp;· HPML test, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;· Points and Fees test

&nbsp;&nbsp;&nbsp;&nbsp;· Review of Section 32 disclosure for accuracy (i.e.
payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;· Review and confirmation of documentation type (i.e.
full, stated, no ratio)

&nbsp;&nbsp;&nbsp;&nbsp;· Review for evidence of prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of Debt-to-Income conformity, when necessary.

The Federal Truth in Lending Act/Regulation Z review includes, but is not necessarily limited to:

&nbsp;&nbsp;&nbsp;&nbsp;· A review of the material compliance disclosures set
forth in the Truth in Lending Disclosure and the Notice of Right to Cancel form, if applicable. A review final TIL with a report outlining
any TILA violations. Re-calculation of disclosed finance charge, proper execution by all required parties, principal and interest
calculations, payment stream(s), recalculation of disclosed APR, and a review to ensure disclosure differences are within the allowed
tolerances. A review of the Notice of Right to Cancel: verification of the transaction date and expiration date, ensures proper execution
of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period
was adequately provided to the borrower(s).

Infinity reviewed eight hundred and thirty (830) loan files and found the loans to be generally compliant with applicable laws or outside any statute of limitation (SOL). There were total of one hundred and thirteen (113) loans that were not tested for compliance of which thirteen (13) loans that were missing HUD Settlement Statement, ninety-seven (97) loans were Investment Properties or exempted, two (2) loans were originated as second lien and one (1) loan was originated as HELOC.

The following is a detailed breakdown of the findings for the loans noted:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Active Compliance Exceptions** | &nbsp;&nbsp;**Active Compliance Exceptions** |
| &nbsp;&nbsp;**Standard Exception** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Prepayment Penalty Rider Missing | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Finance Charge Under Disclosed | &nbsp;&nbsp;72 |
| &nbsp;&nbsp;Missing Final TIL | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Missing Right to Cancel Form or not properly executed | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Missing HUD-1/CD<sup>9</sup> | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Missing documents (unable to test for compliance)<sup>10</sup> | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Georgia Fair Lending Act - GAFLA<sup>11</sup> | &nbsp;&nbsp;0 |

---

<sup>8</sup> There is a 3-year statute of limitations for affirmative claims and the position is that assigned liability is quite limited thereafter. That said, many states allow actions in recoupment. This is where the holder institutes foreclosure after 3 years and the SOL is tolled and counterclaims allowed, basically for the life of the loan. If the borrower prevailed damages could be as high as the full amount of the loan.

<sup>9</sup> We had twenty-four (24) missing and unexecuted HUDs and were not able to run compliance on thirteen (13). For remaining eleven (11) missing HUDs; eight (8) had run using the TIL itemizations/ Estimated HUDs/ improperly scanned copy and three (3) were investment properties.

<sup>10</sup> Loans that could not be tested due to lack of missing documentation.

<sup>11</sup> The Georgia Fair Lending Act (GAFLA) was originally signed into law on April 22, 2002, became effective on October 1, 2002, and was subsequently amended on March 7, 2003. This law had a significant impact on Georgia residential mortgage lending and brokering activities. These passed the APR and Fees and Points Threshold. Zero (0) loan has been identified in pool that is originated within GAFLA Period.

26 \| Page

![](ex99-7_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Ability to Repay<sup>12</sup> | &nbsp;&nbsp;60 |
| &nbsp;&nbsp;Texas Constitution Section 50(a)(6) Home Equity Mortgage | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Texas Constitution Section 50(a)(6) Evidentiary Finding | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost loans outside SOL | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost No Assignee Liability | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost Not-compliant | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost (compliant) | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost inconclusive<sup>13</sup> | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;HOEPA High Cost Not-compliant<sup>14</sup> | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;HOEPA (compliant) | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;HOEPA inconclusive | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;RESPA and TILA issues | &nbsp;&nbsp;127 |
| &nbsp;&nbsp;APR Under Disclosed | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Missing Rate sheet/Discount Point Acknowledgement | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Loan proceeds disbursed prior to the expiration of the rescission period. | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Higher-Priced Mortgage (compliant) | &nbsp;&nbsp;47 |
| &nbsp;&nbsp;Higher-Priced Mortgage Not-compliant | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Higher-Priced Mortgage inconclusive | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Qualified Mortgage DTI exceeds 43% | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Regulation Fail | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**441**<sup>15</sup> |

---

Note that compliance exceptions outside the statute of limitations were considered a non-critical exception for purposes of this review. Infinity identified eighty-eight (88) loans with Truth in Lending Act (TILA) related exceptions that fell outside the three (3) year statute of limitations<sup>16</sup>.

Infinity did not identify a significant number of prepayment penalties for nonconformity to state guidelines. Some loans were originated by federally chartered lenders that took advantage of the preemptive authority of DIDMCA and AMTPA. Under these circumstances, the prepayment penalty provision was considered exempt from any state statutory limitations. If a loan was not exempt due to a preemption claim, it was Client practice to lower the prepayment penalty to the statutory limit.

<sup>12</sup> We are unable to verify code Special Feature Code 147 or determine if it falls under the safe harbor and truly fails ATR.

<sup>13</sup> Each of these were not tested to exceed state APR and/or points and fees thresholds, but rather could not be definitively tested due to lack of documentation in the loan files regarding discount points.

<sup>14</sup> These are included in the pool based on the mitigating factors (namely seasoning and performance).

<sup>15</sup> This is the total number of items and not total number of loans.

<sup>16</sup> On the one hundred and twenty-seven (127) Infinity is noting the TILA violation, itself. These refer to under disclosures and missing TILA documents. Infinity was not referring to the other RESPA related documents, GFE, Mortgage Disclosures, Affiliated Business Disclosure, Initial Escrow Statement, and Servicing Transfer Statement. There were some loans that failed both for Under Disclosed fees and points and APR.

27 \| Page

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

**Data Compare**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | As per the document does lender G/L require MI Yes but tape shows No. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require Mi is not applicable. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | As per the document does lender G/L require MI Not applicable. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxx.xx | x.xxxxx% | Original Appraised value is xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name is xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | As per the document, does lender G/L Require MI is not applicable, but the tape shows no. | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Investor | Secondary |  |  | As per the document, occupancy at origination is Investor, but the tape shows Secondary. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | xx.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Tape shows Does Lender G/L required MI Data provided No Audit value Not applicable. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI? is not applicable. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI is Not Applicable | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Not Applicable | Initial |
| xx | xx | xx | Loan Amortization Type | Not Applicable | Fixed |  |  |  | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx |  |  |  | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | As per the document does lender G/L require MI not applicable but tape shows No. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active is not applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | original note doc date xx/xx/xxxx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | purpose of refinance per HUD-x is limited cash out. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows xx but audit value shows xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active is not applicable. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject Property Type is High rise Condo | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Deferred Balance Amount | Not Applicable | $xxx.xx |  |  | Deferred balance amount N.A. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Appraisal value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | property address xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First name is xx. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active? is Not Applicable. | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI Company is xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxx | xxxxxxxxxxxxx |  |  | Payment History String is Not Applicable. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | As per loan document. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per loan document. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxx | xxxxxxx |  |  | NA. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% |  | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI Company is xx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value is not applicable. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest paid through date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Tape data shows the age of loan data provided is x, the audit value is x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan as per Audit Value is xx. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Required MI as per Audit Value is Not Applicable. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest Paid Through Data as per Audit Value is Not Applicable. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | As per the document age of loan x but tape shows xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI is Not Applicable | Initial |
| xx | xx | xx | Interest Paid Through Date | xx/x/xxxx | x/x/xxxx | xx (Days) |  | As per the document interest paid through date not applicable but tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per the document original note doc date xx/xx/xxxx but tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | As per the document, the age of loan is x, but the tape shows x. | Initial |
| xx | xx | xx | Current Value |  |  | $-xx.xx | -x.xxxxx% | As per the document, the current value is $xx, but the tape shows $xx. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | As per the document, the interest paid through date is not applicable, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -xx (Days) |  | As per the document, the original note doc date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender is Not Applicable. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI is Not applicable | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xx (Days) |  | Interest paid through date is xx/xx/xxxx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Tape shows Age of loan is x but audit value is given as x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Tape shows Does Lender G/L Require MI? as no but audit value is given as NA. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xx (Days) |  | Tape shows Interest Paid through date is xx/xx/xxxx but audit value is given NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows Original Note Doc date is xx/xx/xxxx but audit value is given as xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | NA | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | The loan age is x. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | xx.xxx% | x.xxx% | x.xxx% | x.xxxxx% | The ARM lifetime cap rate is xx.xxx%. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | First Rate Change Date | x/x/xxxx | x/x/xxxx | xxxxx (Days) |  | The first rate change date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xxxxx.xx% | -xxxxx.xxx% | -xxxxx.xxxxx% | The rate adjustment subsequence cap percent is x%. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI? is not applicable. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest paid through date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | xx.xxx% | x.xxx% | x.xxx% | x.xxxxx% | ARM cap rate is xx.xxx% | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Lender G/L for MI is NA | Initial |
| xx | xx | xx | First Rate Change Date | x/x/xxxx | x/x/xxxx | xxxxx (Days) |  | First rate change date is xx/xx/xxxx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note date is xx/xx/xxxx | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xxxxx.xx% | -xxxxx.xxx% | -xxxxx.xxxxx% | Rate cap is x.x% | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | age of loan x | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | ARM lifetime cap rate x.xxx% | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value N.A | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI N.A | Initial |
| xx | xx | xx | First Rate Change Date | x/x/xxxx | x/x/xxxx | xxxxx (Days) |  | first rate change date xx/xx/xxxx | Initial |
| xx | xx | xx | Interest Paid Through Date | x/xx/xxxx | x/x/xxxx | -xx (Days) |  |  | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | original note doc date xx/xx/xxxx | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xxxxx.xx% | -xxxxx.xxx% | -xxxxx.xxxxx% | Rate Adjustment Subsequent cap percent x.xx% | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of Loan is x | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | xx.xxx% | x.xxx% | x.xxx% | x.xxxxx% | ARM Lifetime Cap Rate is xx.xxx% | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | First Rate Change Date | x/x/xxxx | x/x/xxxx | xxxxx (Days) |  | First Rate Change Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xxxxx.xx% | -xxxxx.xxx% | -xxxxx.xxxxx% | Rate Adjustment Subsequent Cap Percent is x.xxx% | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value NA | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Lender G/L for MI is NA | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xx (Days) |  | Interest Paid Thriugh Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value NA. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Lender G/L for MI is NA. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | x/x/xxxx |  |  |  | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of Loan is x | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of the loan x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xx (Days) |  | Interest paid through date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest Paid Through Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | age of loan is x | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is xx/xx/xxxx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Required MI? is Not Applicable | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Tape shows x but audit value shows x. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Tape shows x.xxx% but audit value shows x.xxx%. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | xx | Initial |
| xx | xx | xx | First Rate Change Date | x/x/xxxx | x/x/xxxx | xxxxx (Days) |  | Tape shows xx/xx/xxxx but audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xx (Days) |  | Tape shows xx/xx/xxxx but audit value shows NA. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xxxxx.xx% | -xxxxx.xxx% | -xxxxx.xxxxx% | Tape shows xx,xxx.xxx% but audit value shows x.xxx%. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | NA | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Tape shows Age of loan is x but audit value is given as x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | tape shows Original Doc date is xx/xx/xxxx but audit value is given as xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | xxxxx (Days) |  | Interest Paid Thorugh Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -xx (Days) |  | Original note Doc Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | xx.xxx% | x.xxx% | x.xxx% | x.xxxxx% | ARM Lifetime Cap rate is xx.xxx%. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is not applicable. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI is not applicable. | Initial |
| xx | xx | xx | First Rate Change Date | x/x/xxxx | x/x/xxxx | xxxxx (Days) |  | First rate change date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xx (Days) |  | Interest paid through date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xxxxx.xx% | -xxxxx.xxx% | -xxxxx.xxxxx% | Rate Adjustment Subsequent cap percent is x.xxx%. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | age of loan x | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value N.A | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI N.A | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest Paid through date xx/xx/xxxx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date xx/xx/xxxx | Initial |
| xx | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current audit value is not applicable. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of the loan is x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | MI Coverage Amount | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | As per the document, the MI coverage amount is xx.xxx%, but the tape shows xx.xxx%. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | xx (Days) |  | As per the document, the original appraised date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | DDDDDDDDDDDDDDDDDDBBBBBB |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original Appraisal Date is xx/xx/xxxx. Tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  |  | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | purpose of refinance per HUD-x is change in rate term | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Primary | Investor |  |  | Occupancy at origination is Primary. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | PAyment history string xxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | Purpose of refinance is no cash out. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | Payment History String is | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | Purpose of Refinance Per HUD-x is Change in Rate / Term | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | Payment history string xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | NA. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | BWR last name xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | N/A. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #x last name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Secondary | Primary |  |  | Occupancy at Origination (Property Usage Type) is Secondary. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | Occupancy at origination (Property Usage Type) is NA. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Subject Property Type | Mid Rise Condo (x-x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject property typer is Mid Rise Condo (x-x Stories). | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | Payment HIstory String is | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  |  | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR middle name xx | Initial |
| xx | xx | xx | MI Coverage Amount | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | MI coverage amount xx.xx% | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Primary | Investor |  |  | occupancy at origination primary | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  |  | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | Borrower#x middle name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxDxBBBBBB |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per the note document, the property address street is xx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | Payment history string xxxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a modification change note terms is not applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original appraisal date is not applicable | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xxx.xx | xxx.xxxxx% | Original stated P&I is $xx | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original stated rate is x.xxxxx% | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxDDBBBBBB |  |  | Payment history string is not applicable | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x Middle Name is xx. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a Modification Change Note Terms? is Not Applicable. | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Primary | Investor |  |  | Occupancy at Origination (Property Usage Type) is Primary. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx |  |  | Original Appraisal Date is Not Applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original Appraised Value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xxx.xx | xxx.xxxxx% | Original Stated P&I is $xxx.xx. | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original Stated Rate is x.xxxxx%. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | DDDDDDDDDDDDDDDDxxBBBBBB |  |  | Payment History String is Not Applicable. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  |  | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a modification change note terms is unavailable. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx |  |  | Tape shows Appraisal date as xx/xx/xxxx. Appraisal doc shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Tape shows Appraisal value as $xx. Appraisal doc shows $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxx.xx | $xxx.xx | xx.xxxxx% | Tape shows Original Stated P&I as $xxx.xx. Note shows $x,xxx.xx. | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Tape shows Original Stated Rate as x.xx%. Note shows x.xx%. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | payment history string is not applicable. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | xx.xxxxx% | xx | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | did a modification change note terms is unavailable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original Appraisal Data audit value is xx/xx/xxxx | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxx.xx | $xxx.xx | xx.xxxxx% | Original Stated P&I audit value is x.xxx.xx%. | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original Sated rate audit value is x.xxxxx%. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | DDDDDDDDDDDDDDDDDDBBBBBB |  |  | payment history sting is not applicable. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | purpose of refinance per hUD-x is limited cash out. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | purpose of transaction per HUD-x is refinance. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Appraisal date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  |  | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type as PUD. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  |  | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | As per loan documents. | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxx.xx | $xxx.xx | xx.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in foreclosure is Not Applicable | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Tape shows Original Appraisal date is xx/xx/xxxx but audit value given as xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | xxxxxDDDDDDDDDDDDDBBBBBB |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Updated as per document | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | No Cash-Out | Limited Cash Out (GSE definition) |  |  | Purpose of refinance is No Cash Out | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | xx.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Primary | Investor |  |  | Occupancy at Origination is Primary | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | As per the document, the original appraisal date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per the note document, the property address street is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original appraisal date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | Payment history string is NA. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | x (Days) |  | Doc Date of last modification is Not Applicbale | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Tape shows Appraisal date as xx/xx/xxxx. Appraisal doc shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xx.xx | xx.xxxxx% | Tape shows Original Stated P&I as $xxx.xx. Note shows $xxx.xx. | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Tape shows Original Stated Rate as x.xx%. Note shows x.xx%. | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxDBBBBBB |  |  | Payment History string is Not Applicable | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | As per loan documents. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | NA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% |  | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx |  | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx |  | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | Payment History String is Not Applicable. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | Purpose of Refinance Per HUD-x is Change in Rate/Term. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per the note document original note doc date updated. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per the note document property address street updated. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | As per the document, the purpose of the refinance is cash out, but the tape shows refinance. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | Does not required MI cert. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Tape shows No but audit value shows NA. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Not Applicable. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI Company is xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | PPPPPPPPPPPPC |  |  | Payment History String is xMMMMMMMMMMMMMMMMMMMMMMM. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of Loan is xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxx | CCCCCCCCCCCCC |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | x | C |  |  |  | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | age of loan xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value N.A | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI certificate is missing from the loan file. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | CxxxxxxCCCCCC |  |  | Payment History String: String:xxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Age of Loan | x | x | x | xx.xxxxx% | As per the document, the age of loan is x, but the tape shows x. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxx | CCCCCCCC |  |  | As per loan documents. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | Cxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of loan is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Deferred Balance Amount | Not Applicable | $xxxx.xx |  |  | Deferred balance amount is not applicable | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  | Did a modification change note terms is no | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xxx | xxx | xx | x.xxxxx% | Loan original maturity term months is xxx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | CxxxxCxxxCCCC |  |  | Payment history string is xxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxx | CCCCCCCCCCCC |  |  | Payment History String is xxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | x | xx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicabele | Initial |
| xx | xx | xx | Payment History String | xxxxxxxx | CCCCCCC |  |  | Payment History Strig is xxxxxxxx | Initial |
| xx | xx | xx | Age of Loan | x | x | x | xxx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Number Of Units | x | x | x | xx.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xx | C |  |  | Payment History String is xx | Initial |
| xx | xx | xx | Subject Property Type | x Family | x Family |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value NA | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | x | C |  |  | payment history string x | Initial |
| xx | xx | xx | Age of Loan | x | x | x | xx.xxxxx% | Tape shows Age of loan is x but audit value is given as x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxx | CCCCCCCC |  |  |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per NOte | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | xx.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is N/A. | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI cert is other. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxx | CCCCCCCCCC |  |  | Payment History String is xxxxxxxxxx. Tape shows CCCCCCCCCC. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is Not Applicable | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of loan is xx months. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxx | CCCCCCCCCCCC |  |  | xxxxxxxxxxxxx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | As per the document age of loan xx but tape shows xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | CCCCCCCCCCCCC |  |  | As per loan documents. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | As per the document stated remaining term is xxx but tape shows as xxx. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | As per note doc BWRx last name is xx. | Initial |
| xx | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | As per note doc BWRx middle name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xxxxx (Days) |  | As per note document first payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note document original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | As per the document, does lender G/L Require MI is not applicable, but the tape shows no. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xxxxx (Days) |  | As per loan documents. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is NA. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xxxxx (Days) |  | First payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Detached/Attached | Attached | Detached |  |  | Subject property detached/Attached. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI? is not applicable. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xxxxx (Days) |  | Fist payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is Not Applicable | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| xx | xx | xx | Payment History String | xxxx | xxx |  |  | Payment History String is xxxx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Escrow Account Indicator | Yes | No |  |  | As per the document, the escrow account indicator is yes, but the tape shows no. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | xx (Days) |  | As per the document, the first payment date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per the document, the original note doc date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xx (Days) |  | As per the document stated maturity date is xx/xx/xxxx but tape shows as xx/xx/xxxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account indicator is yes. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | xxx (Days) |  | First payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxx (Days) |  | Stated maturity date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property type is PUD. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR xst name is xx. | Initial |
| xx | xx | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account indicator is yes. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxx | xxxxxxxxxxx |  |  | xxxxxxxxxxxxx | Initial |
| xx | xx | xx | First Payment Date | xx | xx | xxx (Days) |  | As per the document first payment date is xx/xx/xxxx but tape shows as xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | As per the document original appraisal date is xx/xx/xxxx but tape shows as xx/xx/xxxx. | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  |  | As per the document sales Price is not applicable but tape shows as $xx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxx (Days) |  | As per the document stated maturity date is xx/xx/xxxx but tape shows as xx/xx/xxxx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | change in rate term | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  |  | NA. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Tape data shows age of loan as x, but audit value shows x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape data shows current value at $xx, but audit value shows not applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Tape data shows original note doc date as xx/xx/xxxx, but audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note document Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per Note, Document date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | x | XXXXXXXXXXXx |  |  | Payment History String is x | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is not applicable. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | borrower last name is xx. | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $xxxx.xx | xx.xxxxx% | Original stated P&I is $xx | Initial |
| xx | xx | xx | Subject Property Type | x Family | Single Family |  |  | As per the document, the subject property type is x family, but the tape shows single family. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value N.A | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | First payment date xx/xx/xxxx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Stated remaining term xxx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Tape shows the age of loan is xx, but the audit value is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the current value is $xx, but the audit value is NA. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows the property address street is xx, but the audit value is xx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | No Cash-Out | Change in Rate/Term |  |  | Tape shows the purpose of refinance per HUD-x is Change in Rate/Term, but the audit value is No Cash Out. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Tape shows the subject property type is Single Family, but the audit value is PUD. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Tape data shows age of loan as xx, but audit value shows xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape data shows current value as $xx but audit value shows not applicable. | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Secondary | Primary |  |  | Tape data shows occupancy at origination (Property usage type) as primary, but audit value shows secondary. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape data shows property address street as xx, but audit value shows xx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | -x (Days) |  | Tape data shows stated maturity date as xx/xx/xxxx, but audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan audit value is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current audit value is not applicable. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx months. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Mortgage Type | FHA | Conventional |  |  | Loan is FHA. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Address is xx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is N/A. | Initial |
| xx | xx | xx | Loan Amortization Type | Unavailable | Fixed |  |  |  | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $xx.xx | x.xxxxx% | As per note document P&I is $xx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx |  |  |  | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| xx | xx | xx | Subject Property Type | Manufactured Housing | Mobile Home |  |  | Subject property is Manufactured Home. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -xx | -xx.xxxxx% | aGE OF LOAN IS xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | First Payment Date | xx | xx | xxx (Days) |  | First Payment Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -x | -x.xxxxx% | loan original maturity term months is xxx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | Interest Paid through Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is xx.xxx%. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x first name is xx. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #x last name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value NA | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI company is other | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  | xx.xxxxx% | Sales price is $xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx |  | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  | xx.xxxxx% |  | Initial |
| xx | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | BWR x middle name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value NA. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows the borrower first name is xx, but the audit value is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Secondary | Primary |  |  | Tape shows the occupancy at origination is primary, but the audit value is secondary. | Initial |
| xx | xx | xx | Subject Property Type | Low Rise Condo (x-x Stories) | Single Family |  |  | Tape shows the subject property type is Single Family, but the audit value is Low Rise Condo (x-x Stories). | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. Tape shows $xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Type | Modular Housing | Single Family |  |  | Subject property type as Manufactured housing. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x middle name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original appraisal date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of refinance per HUD-x is change in rate/term. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xxx (Days) |  | As per the document, the original appraisal date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original Appraisal Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | As per note document BWR middle name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is N/A. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note doc Original note doc nate is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xx.xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per loan documents. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active is Not Applicable. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI company is xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxx | xxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Payment History String | xxxxxxx | xxxxxx |  |  |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Address is xx. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active? is not applicable. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Tape shows the borrower #x first name xx, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Tape shows the Borrower #x last name xx, but the audit value shows not applicable. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Tape shows the REO is active, no, but the audit value shows not applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows the original note doc date as xx/xx/xxxx, but the audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Tape shows the subject property type as single family, but the audit value shows PUD. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Not required. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxx | xxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | NA. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Tape shows the stated remaining term is xxx, but the audit value is xxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Loan is FHA. MI is required. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | xxx (Days) |  | First Payment Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Interest Only Period? | Yes | No |  |  | Interest Only Period? is Yes. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of Refinance Per HUD-x is Change in Rate/ Term. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxx.xx | x.xxxxx% | Original appraised value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | property address street is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is N/A. | Initial |
| xx | xx | xx | Modification Interest Bearing Amount | Not Applicable |  |  |  | Mod interest bearing amount is N/A. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | BRW #x first name is xx. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #x last name is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BRW last name is xx. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | BRW last name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  | xx.xxxxx% |  | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | As per note document x BWR name is xx. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | As per note document x BWR name is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per note document x BWR name is xx. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | As per note document x BWR name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Purpose of Transaction per HUD-x is cash-out other | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of Transaction per HUD-x is Cash out | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  |  | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  |  | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI active is NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Type | Manufactured Housing | Mobile Home |  |  | Subject property type is PUD. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx audit value shows NA. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value N.A | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI active N.A | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI Active is Not Appluicable | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xxx (Days) |  | Original appraisal date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -xxx (Days) |  | As per the note and mortgage, the loan was originated on xx/xx/xxxx. The tape shows the origination date as xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicabele | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicble | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable. | Initial |
| xx | xx | xx | Subject Property Type | Mid Rise Condo (x-x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject Property Type is Mid Rise Condo (x-x Stories). | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -xx (Days) |  | Note date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicbakle | Initial |
| xx | xx | xx | Deferred Balance Amount | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  | Did a modification change note terms is Not Applicable | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx |  |  | Doc Date of Last Modification is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is Not Applicable | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is not applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI Active? is Not Applicable | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value as $xx. Loan Audit shows Not required. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Not Required. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows Note date as xx/xx/xxxx. Note shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR middle name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Debt Service Coverage Ratio (DSCR) | xx | xx | x.xx | x.xxxxx% |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxxx.xx | -xx.xxxxx% | Appraised value is $xx. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note dated on xx/xx/xxxx. | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  |  | Loan is refinance. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxxxxxxx.xx | -xx.xxxxx% | Appraised value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment history string is not applicable | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of refinance per HUD-x is cash out other | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. Tape shows $xx. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xxx (Days) |  | First Payment Date is xx/xx/xxxx. Tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Mortgage Type | Conventional | FHA |  |  | Mortgage Type is conventional. Tape shows FHA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxxx.xx | -x.xxxxx% | Original Appraised Value is Not Applicable. Tape shows $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  |  | Sales Price (HUD-x Line xxx) is Not Applicable. Tape shows $xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows xx but audit value shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment history string xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name XXXX | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per current value is $xx | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | The loan was modified. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xxx (Days) |  | First payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Subject Property Type | Mobile Home | Single Family |  |  | NA | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows BWR First name as xx. Note shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value as $xx. Loan Audit shows Not required. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan audit value is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name audit value is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current audit value is not applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | Purpose of refinance is limited cash out. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -xxx | -xx.xxxxx% | Stated remaining term audit value is xxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Tape data shows Age of loan as x,audit value shows x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape data shows borrower first name as xx, but audit value shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape data shows current value as $xx, but audit value shows unavailable. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value N.A | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI company is xx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | Per mod, the maturity date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x middle name is xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI company is xx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x First Name is xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| xx | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject Property Type is High Rise Condo | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | age of loan is xx | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x first name is xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI company is XXXX | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $-xxx.xx | -xx.xxxxx% | original stated P&I is $xx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per note document borrower first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxx.xx | -x.xxxxx% | As per Appraisal document appraisal value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x First Name is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | MI Coverage Amount | Unavailable | xx.xxx% |  |  | MI Coverage Amount is Unavailable. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | BRW #x First name is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Tape shows Age of Loan as x. Loan audit shows x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows BWR First name as xx. Note shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value as $xx. Loan Audit shows Not required. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name audit value is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value audit value is not applicable | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Tape shows Age of loan is xx but audit value is given as xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | XXXX per document | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | First Payment Date | xx | xx | xx (Days) |  | As per note document first payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -xxx (Days) |  | As per note document original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $xxx.xx | xx.xxxxx% | As per note document Original stated P&I is xxxx.xx. | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | As per note document original stated rate is x.xxx% | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per note document property address street is xx. | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  |  | NA. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $-xxx.xx | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Tape shows Age of loan is x.Loan Audit shows x. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Tape shows BWR First Name as xx. Note shows xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows BWR First Name as xx. Note shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value as $xx.Loan Audit shows Not required. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows Property Address as xx. Note shows xx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% |  | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per note doc BWR first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note document original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of Loan is xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI Company xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI Company us xx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x First Name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First name xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Debt Service Coverage Ratio (DSCR) | xx | xx | x.xx | xx.xxxxx% | Debt service coverage ratio is x.xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Loan Documentation Type | DSCR | Full Documentation |  |  | As per loan documentation type is DSCR. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of refinance per HUD-x is change in rate term | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction per HUD - x is refinance | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x First Name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI Company is xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Loan Documentation Type | Alternative | Full Documentation |  |  | As per loan documents. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | xx.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xxx (Days) |  | First payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | Mi company is XXXX. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx |  | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -xxx (Days) |  | original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx |  | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $xxx.xx | xx.xxxxx% | original stated P&I is $xx. | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | original stated rate is x.xxxxx%. | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  |  | sales price is not applicable. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x middle name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxxx (Days) |  | interest paid through date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Yes | No |  |  | Is PMI active is Yes. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is not applicable. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx months. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | Note reflects date as xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Unavailable | No |  |  | UW. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | -x.xxxxx% | -x.xxxxx% | Original Stated rate is x.xxxxx%. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI active is not applicable. | Initial |
| xx | xx | xx | MI Coverage Amount | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | MI coverage amount is xx.xxx%. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value as $xx. Loan Audit shows Not required. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Not required. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name audit value is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current audit value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is pim active audit value is yes. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | NA | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | x/xx/xxxx |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | NA | Initial |
| xx | xx | xx | Mortgage Type | VA | Conventional |  |  | As per document. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | xxx.xxxxx% | Tape shows original Appraised value is $xx but audit value is given as $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $-xx.xx | -x.xxxxx% | Tape shows pi $xx but audit value given as $xx. | Initial |
| xx | xx | xx | Property Postal Code | xx | xx |  |  | As per document. | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  | xxx.xxxxx% | As per document. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per document. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | First Payment Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Lien Priority Type | Second | First |  |  | Lien Priority Type is Second. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated Maturity Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | Purpose of refinance per HUD-x is change in rate/term. | Initial |
| xx | xx | xx | Current Occupancy | Owner (or Former): Primary Home | Rented out by Investor (Post-FC) |  |  | Current occupancy is owner, Primary Home. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | DxxxxxxxxxxxxxxxDDBBBBBB |  |  | Payment string is xxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | Purpose of refinance is change in rate term. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Property type is PUD. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | PH string is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | Purpose of refinance is change in rate / term. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | As per loan documents. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | As per loan documents. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxBBBBBB |  |  | Payment history string is NA. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | As per note document first payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | As per note document Stated maturity date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Valule is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI Active? is Not Applicable | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is not applicable | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxx.xx | -x.xxxxx% | Original appraised value is not applicable | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | Stated maturity date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | ARM Index Type | Not Applicable | LIBOR - One Year WSJ |  |  | ARM Index Type is Not Applicable. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Doc Date of Last Modification is xx/xx/xxxx. | Initial |
| xx | xx | xx | Loan Amortization Type | Fixed | ARM |  |  | Loan Amortization Type is Fixed. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Current Legal Status | Performing | Collections |  |  | Current status performing | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | x/x/xxxx |  |  | Interest paid through date N.A | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -x (Days) |  | Appraisal date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Legal Status | Performing | Collections |  |  | Legal status is performing. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Interest Paid Through Date | Unavailable | x/x/xxxx |  |  | Unavailable. | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Secondary | Primary |  |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxx (Days) |  | Tape shows Interest paid through date is xx/xx/xxxx but audit value is given as NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows Is PMI Active? as No but audit value shows NA | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | Tape shows the MI Company xx, but the audit value shows xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows the Property Address Street xx, but the audit value shows xx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of refinance per HUD-x is change in rate/term. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxx (Days) |  | Interest Paid Thorough Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is Not Applicable. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | x (Days) |  | Original Appraisal Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is not applicable | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | x (Days) |  | Original appraisal date is xx/xx/xxxx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | Age of loan is x months. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | x (Days) |  | Appraisal reflects date as xx/xx/xxxx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx |  |  |  | Initial |
| xx | xx | xx | Payment History String |  |  |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value as $xx. Loan Audit shows Not required. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Tape shows Appraisal value as $xx. xxxx shows $xx. | Initial |
| xx | xx | xx | Original Balance (or Line Amount) | xx | xx | $xxxx.xx | x.xxxxx% | Tape shows Original balance as $xx. Note shows $xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows Original Note doc date as xx/xx/xxxx. Loan Audit shows Note doc date as xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Address is xx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | As per the document original age of loan xx but tape shows xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | FCD & xxxx reflects appriased value as $xx. | Initial |
| xx | xx | xx | Original Balance (or Line Amount) | xx | xx | $xxxx.xx | x.xxxxx% | As per the document original balance $xx but tape shows $xx. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per the document original note doc date xx/xx/xxxx but tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $-xxx.xx | -xx.xxxxx% | As per the document original stated P&I is $x,xxx.xx but tape shows as$x,xxx.xx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per the document subject Property type PUD but tape shows as Single family. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Tape shows the age of loan is xx, but the audit value is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the current value is $xx, but the audit value is $xx. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxxxx.xx | -x.xxxxx% | Tape shows the original appraised value is $xx, but the audit value is $xx. | Initial |
| xx | xx | xx | Original Balance (or Line Amount) | xx | xx |  | x.xxxxx% | Tape shows the original balance is $xx, but the audit value is $xx. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows the original note doc date is xx/xx/xxxx, but the audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Tape shows the subject property type is single family, but the audit value is PUD. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xx (Days) |  | Interst paid Through Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable | Initial |
| xx | xx | xx | Current Legal Status | Performing | Collections, >= xxx Days |  |  | Updated as per PH. | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xxxxx (Days) |  | Not available. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note reflects date as xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String |  | x-x-xxxxxxxxx xxxx------ |  |  | PH string is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Note reflects address as xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xxxxx (Days) |  | Doc date of last modification is unavailable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is not applicable. | Initial |
| xx | xx | xx | Payment History String |  | x--xxx------ ----x----- |  |  | payment history string is MMxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | age of loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Appraisal document is missing from the loan file. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxx (Days) |  | interest paid through date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Tape shows the age of loan is xxx, but the audit value is xxx. | Initial |
| xx | xx | xx | Current Legal Status | Collections, < xx Days | Collections |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the current value is $xx, but the audit value is NA. | Initial |
| xx | xx | xx | Deferred Balance Amount | Not Applicable | $xxxx.xx |  |  |  | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | No | Yes |  |  |  | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Tape shows the loan original maturity term months is xxx, but the audit value is xxx. | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $xxx.xx | xx.xxxxx% | Tape shows the original stated P&I is $x,xxx.xx, but the audit value is $x,xxx.xx. | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Tape shows the original stated rate is x.xxxxx%, but the audit value is x.xxxxx%. | Initial |
| xx | xx | xx | Payment History String |  | XXXXXXXXXXXXXXXxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows the property address street is xx, but the audit value is xx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Legal Status | Performing | Collections |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | x/x/xxxx |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxx.xx | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | XXXXXXXXXXXXXXXXXXXXXXXx |  |  |  | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan is "x" | Initial |
| xx | xx | xx | Current Value |  |  | $x.xx | x.xxxxx% | Current Value is $xx | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | x/x/xxxx |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $x.xx | x.xxxxx% | As per Appraisal document appraisal value is $xx. | Initial |
| xx | xx | xx | Payment History String |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | xx/x/xxxx |  |  | Interest Paid Through date is not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active? is Not Applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxx.xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Legal Status | Performing | Collections |  |  | Current legal Status is Performing | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | As per loan documents. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | XXXXXXXXXXXXXXXXXXXXXxxx |  |  | Paymwnt History String is xxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value Not applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is not applicable | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active? is Not Applicable. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property State | xx | xx |  |  | Property Status is xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) |  |  | $-xxx.xx | -x.xxxxx% | Cash to borrower is $xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active? is not applicable. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $-xx.xx | -x.xxxxx% | Original stated P&I is $xxx.xx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active? is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Tape shows Age of loan is xx but audit value is given as xx. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Tape shows Borrower #x first name is xx but audit value shows xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows Borrower first name is xx but audit value shows xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI Active is Not Applicable | Initial |
| xx | xx | xx | Loan Amortization Type | ARM | Fixed |  |  | Tape shows Loan Amortization type is fixed but audit value given as ARM. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name xx | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value N.A | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active N.A | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | original note doc date xx/xx/xxxx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Tape shows x but audit value shows x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows NA. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Type | Manufactured Housing | Mobile Home |  |  | Subject property type as manufacturing housing. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x middle name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value as per tape is $xx, but audit value shows not applicable. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI active is NA. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | Purpose of refinance per HUD-x is Limited Cash Out (GSE definition). | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction per HUD-x is refinance. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value N.A | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Investor | Primary |  |  | Occupancy at origination is investor | Initial |
| xx | xx | xx | Payment History String | xxx | Cxx |  |  | Payment history string is xxx | Initial |
| xx | xx | xx | Purpose Per Application | Debt Consolidation | Refinance |  |  | Purpose per application is debt consolidation | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | NA. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | No Cash-Out |  |  | Purpose of refinance per HUD-x is limited cash out. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | Interest Paid Through Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxx (Days) |  | Interest paid through date is xx/xx/xxxx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xx (Days) |  | Interest paid through date is xx/xx/xxxx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current audit value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | xx/x/xxxx |  |  | NA | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | As per the document, the first payment date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | As per the document, the stated maturity date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan x | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value Data provided $xx and Audit value Not applicable. | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | xx/x/xxxx |  |  | Interest paid through date N.A | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows Is PMI active? Data provided No and audit value is Not applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows Original note doc date is Data provided xx/xx/xxxx and audit value isx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | xxx | x | xxx | xxxx.xxxxx% | Age of Loan is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xxxx (Days) |  | First Payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active? is Not Applicable. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Tape shows Age of loan is x but audit value is given as x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows Is PMI Active? but audit value shows NA | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxx (Days) |  | Interest Paid Through Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx |  | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value is not applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicabele | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value N.A | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x Middle Name is Not Applicable. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first Name is Not Applicabele | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is Not Applicable. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xx (Days) |  | Interest Paid Through Date is Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable | Initial |
| xx | xx | xx | Mortgage Type | Commercial | Conventional |  |  | Mortgage Type is Commercial. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | -x.xxxxx% | -x.xxxxx% | Note reflects rate as x.xxx%. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject is PUD. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #! Middle Name is Not Applicable | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is Not Applicable | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower LasT Name is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is not applicable. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xx (Days) |  | Interest paid through date is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active? not applicable. | Initial |
| xx | xx | xx | Payment History String | xxx | CC |  |  | Payment History STring is xxx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x Middle Name is Not Appplicable | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is Not Applicable | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | CurrentValue is Not Applicble | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xx (Days) |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original Appraised Value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxx | CC |  |  | Payment history String is xxxx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is not applicable | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Is PMI Active? | Unavailable | No |  |  | Is PMI Active is unavailable | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | Not Applicable | XXXXXXXXXXXx |  |  | Payment history string is unavailable | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a modification change note terms is not applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active? not applicable. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -x (Days) |  | Original Appraisal date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxx |  |  | Payment history string is not applicable | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxxx (Days) |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Legal Status | Bankruptcy-Current | Performing |  |  | Current Legal Status is colllections | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | Escrow Indiator is Nno | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xxx (Days) |  | Original Appraisal Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Unavailable | No |  |  | IS PMI Active? is Unavailable | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -x (Days) |  | Original Appraisal Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Payment History String | xxxx |  |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -x (Days) |  | Original Appraisal Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -x (Days) |  | Original appraisal date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxx |  |  |  | Payment history string is NA. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows Is PMI Active? as no but audit value shows NA | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -x (Days) |  | Tape shows Original Appraisal date is xx/xx/xxxx but audit value given as xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -xx.xxxxx% | Tape shows Stated remaining Term is xxx but audit value is given as xxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows No but audit value shows NA. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Tape shows xx/xx/xxxx but audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Payment History String is Not Applicable. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -xx.xxxxx% | Tape shows xxx but audit value shows xxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is not applicable | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxx |  |  |  | Payment history string is not applicable | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of refinance per HUD - x is limited cash out | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in foreclosure is NA. | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Doc date of last modification is NA. | Initial |
| xx | xx | xx | Is PMI Active? | Unavailable | No |  |  | Is PMI active UA. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx |  |  | Original appraisal date is NA. | Initial |
| xx | xx | xx | Payment History String |  |  |  |  | Payment history string is NA. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | Updated as pet mod. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | is PMI Active? is Not Applicable | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original Appraisal Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Payment History String | xxxxxxx |  |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the current value is $xx, but the audit value is $xx. | Initial |
| xx | xx | xx | Is PMI Active? | Unavailable | No |  |  | Is PMI Active? is Unavailable | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -x (Days) |  | Tape shows the original appraisal date is xx/xx/xxxx, but the audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | xxxx |  |  |  |  | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is not applicable | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Aplicable | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Proprty Type is PUD | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan is xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | PMI Active UA | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxx.xx | x.xxxxx% | Appraised value is $xx | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| xx | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | age of loan is x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Is PMI Active? | Unavailable | No |  |  | is PMI active is not applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | original appraised value is $xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | property address street is xx | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | subject property type is PUD. | Initial |
| xx | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | Age of Loan is x | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Unavailable | No |  |  | Is PMI Active? is Unavailable | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxx.xx | -x.xxxxx% | Original Appraisal Value is $xx | Initial |
| xx | xx | xx | Original Balance (or Line Amount) | xx | xx | $xxx.xx | x.xxxxx% | Original Balance is $xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is Not Applicable | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Original appraised value is $xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject PeoperTty Type is PUD | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | IS PMI Active? is Unavailable | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxx.xx | x.xxxxx% | Original Appraised Value is $xx | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Tape shows the age of loan is x, but the audit value is x. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | xx.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Tape shows the ARM lifetime cap rate is x.xxx%, but the audit value is xx.xxx%. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the current value is $xx, but the audit value is $xx. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Tape shows the original appraised value is $xx, but the audit value is $xx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Tape shows the subject property type is single family, but the audit value is PUD. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan as per tape is x, audit value shows x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value as per tape is $xx, but audit value shows $xx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | PMI active as per tape is No, audit value shows not applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Original appraised value as per tape is $xx, but audit value shows $xx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type as per tape is single family, audit value shows PUD. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is UA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original Appraised value is $xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| xx | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is UA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original appraisal value is $xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value N.A | Initial |
| xx | xx | xx | Is PMI Active? | Yes | No |  |  | PMI Yes | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type PUD | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Doc Unavailable. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | xx.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Doc Unavailable. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Not required. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Doc Unavailable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxx.xx | x.xxxxx% | Appraisal shows value at xx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | xx.xxx% | x.xxx% | x.xxx% | x.xxxxx% | ARM Lifetime Cap rate is xx.xxx%. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable | Initial |
| xx | xx | xx | Is PMI Active? | Unavailable | No |  |  | Is PMI Active is unavailable | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Original appraisal value is $xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property type is PUD. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x first name is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxM | CCCCCCCCCCCCCCCCCCC |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Prepayment penalty indicator is no. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| xx | xx | xx | MI Coverage Amount | Unavailable | xx.xxx% |  |  | MI coverage amount is unavailable. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | CCCCCCCCCCCCCCCCC |  |  | payment history string is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | property address street is xx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of refinance per HUD-x is change in rate/term. | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  |  | sales price is not applicable. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | BWR #x xst name as xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR xst name as xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxx | CCCCCCCCCCCCC |  |  |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Address is xx . | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per the note document borrower first name updated. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxx | CCCCCCCCCCCCCCCCCCCC |  |  | xxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per the note document property address street updated. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | BWR #x xst name is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR xst name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  |  | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | CCCCCxxxxxxCCCCCCCCCCCC |  |  |  | Initial |
| xx | xx | xx | Principal Balance Stated in Mod |  |  | $-xxxx.xx | -x.xxxxx% |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of refinance is change in rate term. | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  |  | Loan is refinance. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per the document, the borrower first name is xx, but the tape shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per the document, the current value is $xx, but the tape shows $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxx | CCCCCCCCCCCCCCCCC |  |  | Payment History String is xxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | The tape shows the current value date provided by xx. Grant audit value xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | The tape shows the borrower's first name data provided by xx audit value. xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxx | CCCCCCCCCCCCCC |  |  | NA. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows the property address street data provided for xx audit value xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | CCCCCCCCCCCCCCCCCCCCCCC |  |  | PH string is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Tape shows the Borrower #x first name data provided is xx, but the audit value is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows the borrower's first name data provided is xx, but the audit value is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Payment History String |  | CCCCCCCCCCCCCCC |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows the property address street data provided is xx, but the audit value is xx., | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per the document, the borrower first name is xx, but the tape shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxM | CCCCCCxxCxxCC |  |  | Payment History String is xxxxxxxxxxxM | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per the note document, the property address street is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows current value $xx. Audit value shows N/A. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxxx (Days) |  | Tape shows stated maturity date xx/xx/xxxx. Audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | PMI is UA | Initial |
| xx | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject property type is High Rise Condo (>x Stories). | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per Zillow Current value is $xx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | PMI is N/A. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Updated as per document. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Updated as per document. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Updated as per document. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Updated as per document. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Updated as per document. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | NA | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | As per the document, the borrower#x first name is xx, but the tape shows xx. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | As per the document, the borrower#x last name is xx, but the tape shows xx. | Initial |
| xx | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | As per the document, the borrower#x middle name is not applicable, but the tape shows xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per the document, the borrower first name is xx, but the tape shows xx. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | As per the document, the borrower last name is xx, but the tape shows xx. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per the document, the original note doc date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | As per loan documents. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows current value as $xx, but audit value shows $xx. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Tape shows original appraisal value as $xx, but audit value shows $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | MI Coverage Amount | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | MI Coverage amount is xx.xxx% | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address street is xx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | As per the document, age of loan is x, but the tape shows x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per the document, original note doc date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxx.xx | $xx.xx | x.xxxxx% | As per the document, original stated P&I is $xx, but the tape shows $xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | The tape shows the Current Value $xx, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | xx.xxxxx% | The tape shows the Original Appraised Value $xx , but the audit value shows $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | The tape shows the Property Addressxx, but the audit value shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Unavailable | No |  |  | PMI Active is not Avaliable. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows NA. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is Unavailable | Initial |
| xx | xx | xx | Subject Property Type | Low Rise Condo (x-x Stories) | Single Family |  |  | Subject property audit value is low rise condo. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value NA | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address street is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the Current Value $xx, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows the PMI Active No, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | The tape shows the property address as xx, but the audit value shows xx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | purpose of transaction cash out | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Nnot Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street as xx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Tape shows x and audit value shows x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows xx and audit value shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows No and audit value shows NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows xx/xx/xxxx and audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | As per the document age of loan x but tape shows x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per the document original note doc date xx/xx/xxxx but tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | xx | XXXXXXXXXXxx |  |  | Payment history string is updated as per the loan document. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | xx/x/xxxx |  |  | As per note Interest only period N/A. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | PMI is N/A in these loan file. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | property address street is xx | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  | xx.xxxxx% |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | NA. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | tape shows Original Note Doc date is xx/xx/xxxx but audit value is given as xx/xx/xxxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows the borrower's first name is xx. As per the note document, xx. | Initial |
| xx | xx | xx | Escrow Account Indicator | Yes | No |  |  | Tape shows the escrow account indicator is No. As per the final CD escrow account indicator, it is "yes." | Initial |
| xx | xx | xx | First Payment Date | xx | xx | xx (Days) |  | The tape shows the first payment date is xx/xx/xxxx. As per note xx/xx/xxxx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xx (Days) |  | Tape shows The stated maturity date is xx/xx/xxxx. As per note xx/xx/xxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current audit value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | PMI active audit value is not available. | Initial |
| xx | xx | xx | Payment History String | x | xxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value Data provided $xx and Audit value Not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active N.A | Initial |
| xx | xx | xx | Payment History String |  |  |  |  | Payment History String:xxxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Payment History String | xx | xxxxxxxxxxxx |  |  | Payment history string is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable | $x.xx |  |  | As per the document, the current value is not applicable, but the tape shows $x.xx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | As per the document, the PMI active is not applicable, but the tape shows no. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xx | xxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Interest Paid Through Date | xx/x/xxxx | xx/x/xxxx | -xxx (Days) |  | Interest paid through date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Tape shows Age of loan Data provided x and Audit value x | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x First Name is xx | Initial |
| xx | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | Borrower #x middle name isxx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value Data provided $xx and Audit value Not applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows Original Doc Date Data provided xx/xx/xxxx and Audit value xx/xx/xxxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Original appraised value is $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxM | xxxxxxxxxxxxxxxxNNNNNNNN |  |  | Payment history string is NA. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xx.xx | -x.xxxxx% | Appraised value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxx | xxxxxxxxxxNNNNNNNNNNNNNN |  |  | N/A. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Note reflects address as xx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx months. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is not applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original appraised value is $xx. | Initial |
| xx | xx | xx | Payment History String |  |  |  |  |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | xx.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows Is PMI active audit value is Not Applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xx.xx | x.xxxxx% | Tape shows original appraised value audit value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows property address street audit value is xx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | Tape shows purpose of refinance per HUD-x audit value is No Cash-Out. | Initial |
| xx | xx | xx | Subject Property Type | x Family | Single Family |  |  | Tape shows subject property type audit value is x Family. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Original appraised value is $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxx | xxxxxxxxNNNNNNNNNNNNNNNN |  |  | N/A. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows N/A. | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | Tape shows xx but audit value shows xx. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxx.xx | x.xxxxx% | Tape shows $xx but audit value shows $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxMMMM |  |  |  | payment history string is not applicable. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | xxx | xx.xxxxx% |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Original appraised value is $xx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | Tape shows Subject property type as Low Rise Condo but audit value shows High Rise Condo. | Initial |
| xx | xx | xx | Current Value |  |  | $xxxx.xx | x.xxxxx% | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Tape shows original Appraised value is $xx but audit value is given as $xx | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string updated by loan auditor. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI Active? is NA. | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value |  |  | $xx.xx | x.xxxxx% |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active as per audit value is not applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xx.xx | x.xxxxx% | Original appraised value as per audit value is $xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | purpose of refinance per HUD-x as per audit value is No cash out | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction per HUD-x as per audit value is refinance. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term as per the audit value is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value Data provided $xx and Audit value Not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Payment History String |  |  |  |  |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -x.xxxxx% | Tape shows Stated Remaining term Data provided xxx and Audit value xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value as $xx. Loan Audit shows Not required. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | N/A | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | xx.xxxxx% | Tape shows Appraisal value as $xx. Appraisal doc shows $xx | Initial |
| xx | xx | xx | Payment History String | xxxxMM | xxxxxNNNNNNNNNNNNNNNNNNN |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value N.A. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original Appraised value $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxM | xxxxNNNNNNNNNNNNNNNNNNNN |  |  | Payment history string is NA. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but Audit value shows N/A. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows No but Audit value shows N/A. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Tape shows $xx but Audit value shows $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxx | xxxxxxxxxNNNNNNNNNNNNNNN |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows xxx but Audit value shows xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-x.xx | -x.xxxxx% | Original Appraisal Value is $xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Original Note Doc Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History string is Not Applicable | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of Refinance Per HUD-x is Change in Rate/Term | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction per HUD-x Refinance | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI Active is Not Applicable | Initial |
| xx | xx | xx | MI Coverage Amount | Unavailable | xx.xxx% |  |  | MI Coverage amount unavailable. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxx | xxxxxxxxNNNNNNNNNNNNNNNN |  |  | Payment History string is xxxxxxxxx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated Remaining term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value Data provided $xx and Audit value Not applicable. | Initial |
| xx | xx | xx | Loan Amortization Type | Unavailable | Fixed |  |  | N/A. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Tape shows Appraised value Data provided $xx and Audit value $xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxMMMMMMMMMxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | N/A. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx |  |  | N/A. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxx.xx | x.xxxxx% | Tape shows the original appraised value data provided is $xx, but the audit value is $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxx | xxxxxxxxxxxNNNNNNNNNNNNN |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows the property address. The street data provided is xx, Unit, but the audit value is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | As per the document, Is PMI active is not applicable, but the tape shows no. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxx.xx | -x.xxxxx% | Original appraised value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  |  |  |  | Payment history string is NA. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current audit value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI aCTIVE? IS nOT aPPLIABLE | Initial |
| xx | xx | xx | Payment History String | xxxxxxxx | xxxxxxxNNNNNNNNNNNNNNNNN |  |  | Payment History Sring is Not Applicable | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | stated term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original appraised value is $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxx | xxxxxxxxxxxxNNNNNNNNNNNN |  |  |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per Appraisal document current value is $xx. | Initial |
| xx | xx | xx | Is PMI Active? | No | Yes |  |  | PMI is N/A. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xx.xx | -x.xxxxx% | As per Appraisal document appraisal value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xx.xx | x.xxxxx% | As per appraisal document appraisal value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  |  |  |  |  | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | Purpose of refinance per HUD-x is change in rate/term. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | As per note document stated remaining term is xxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows N/A. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows No but audit value shows N/A. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Tape shows $xx but audit value shows $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxx | xxxxxxxxxNNNNNNNNNNNNNNN |  |  | NA. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | xx.xxxxx% | Tape shows the original appraisal value is $xx. As per the appraisal document, it shows $xx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | The tape shows the stated remaining term is xxx. As per the document, it is xxx. | Initial |
| xx | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows current value $xx. As per Appraisal document xx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows PMI active No. As per document not applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxx.xx | x.xxxxx% | Tape shows original appraisal value $xx. As per Appraisal document xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | NA. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string is updated as per PH document. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per the document, the current value is $xx, but the tape shows $xx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | As per the document, Is PMI active? is not applicable, but the tape shows no. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xx.xx | -x.xxxxx% | Original Appraisal Value is $xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | As per the document, stated remaining term is xxx, but the tape shows xxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Tape shows Yes and audit value shows NA. | Initial |
| xx | xx | xx | MI Coverage Amount | Unavailable | xx.xxx% |  |  | MI coverage amount is unavailable. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | purpose of refinance per HUD-x is limited cash out. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows xxx and audit value shows xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows N/A. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxx.xx | x.xxxxx% | Tape shows $xx but audit value shows $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxx | xxxxxxxxxxxxNNNNNNNNNNNN |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows xxx but audit value shows xxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | As per the document is PMI active no tape shows yes. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $x.xx | x.xxxxx% | Appraised value is $xx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | As per the document stated remaining term is xxx but tape shows as xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original Appraised Value is $xx | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows No but audit value shows NA. | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string is not applicable. | Initial |
| xx | xx | xx | ARM Index Type | xx-day Average SOFR | Secured Overnight Financing Rate (SOFR) |  |  | ARM Index type as per audit value is xx-day average SOFR. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active as per audit value is not applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Original appraisal value as per audit value is $xx. | Initial |
| xx | xx | xx | Payment History String | xMMMMMMMMMMMMMMMMMMMMMMM | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject property type as per audit value is High rise condo (>=x stories). | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows Is PMI Active? as no but audit value shows NA | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xx.xx | -x.xxxxx% | Tape shows original appraised value is $xx but audit value is given as $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | NA. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | Tape shows Purpose of Refinance per HUD-x as Limited Cash Out but audit value is updated as Change in Rate/Term. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and Audit value is N/A. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows No and Audit value is N/A. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Tape shows $xx and Audit value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxNNNNNNNNN |  |  |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows xxx and Audit value is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active N.A | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $x.xx | x.xxxxx% | Tape shows original appraised value is $xx but audit value is given as $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows Stated remaining Term is xxx but audit value is given as xxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type PUD | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Tape shows the original appraised value data provided is xx. Audit Value is xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxNNNNNNNNNNNNNN |  |  | Payment history string is xxxxxxxxxxxx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows the stated remaining term data provided is xxx. Audit Value is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows No but audit value shows NA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxx.xx | x.xxxxx% | Tape shows $xx but audit value shows $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows xxx but audit value shows xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value as $xx. Loan Audit shows Not required. | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI name is xx. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | xx.xxxxx% | Tape shows Appraisal Value as $xx. Appraisal doc shows $xx. | Initial |
| xx | xx | xx | Payment History String |  |  |  |  | Payment history string is Not Applicable | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xx.xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  |  |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is Not Applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original Appraised value is $xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | The tape shows the MI Company data provided other audit value is XXXX. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | The tape shows the property address. Street data provided xx; the audit value is xx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | The tape shows the stated remaining term data provided is xxx, and the audit value is xxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per the document, the current value is $xx, but the tape shows $xx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | As per the document, PMI active? is not applicable, but the tape shows yes. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property City | xx | xx |  |  | As per the document, the property city is clinton, but the tape shows clearfield. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of Refinance Per HUD-x is Limited Cash Out | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxx (Days) |  | As per the document stated maturity date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | As per the document stated, the remaining term is xxx, but the tape shows xxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI active? is not applicable. | Initial |
| xx | xx | xx | MI Coverage Amount | Unavailable | xx.xxx% |  |  | Mi coverage amount is unavailable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current audit value not available. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxx.xx | -x.xxxxx% | Appraisal value is xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -x.xxxxx% | Stated term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxx.xx | x.xxxxx% | Original appraised value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per loan documents. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | PMI is not Applicable for the subjected. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxNNNNNNNNNNNN |  |  |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the Current Value $xx, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active N.A | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-x.xx | -x.xxxxx% | Tape shows the Original Appraised Value $xx, but the audit value shows $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxx | xxxxxxxNNNNNNNNNNNNNNNNN |  |  |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows the Stated Remaining Term xxx, but the audit value shows xxx. | Initial |
| xx | xx | xx | Current Value |  |  | $xxxx.xx | x.xxxxx% | Tape shows current value audit value is $xx. | Initial |
| xx | xx | xx | MI Coverage Amount | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Tape shows is MI coverage amount audit value is xx.xxx%. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Tape shows original appraised value audit value is $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxMx | xxxxxNNNNNNNNNNNNNNNNNNN |  |  | payment history string is not applicable. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows stated remaining term audit value is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per appraisal document current value is $xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxx.xx | -x.xxxxx% | As per appraisal document Original appraisal value is $xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxx | xxxxxxxxNNNNNNNNNNNNNNNN |  |  | PH string is xxxxxxxxxx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | As per note document stated remaining term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active? is Not Applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original Appraisal Value is $xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated Remaining Term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the current value is $xx, but the audit value is $xx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | NA | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xx.xx | -x.xxxxx% | Tape shows the original appraised value is $xx, but the audit value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows the stated remaining term is xxx, but the audit value is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Original appraised value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Original note date is x/xx/xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per appraisal document current value is $xx | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | xx.xxxxx% | As per appraisal document Original appraisal value is $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxx | xxxxxxxxxxxNNNNNNNNNNNNN |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows current value is $xx. As per the appraisal document, $xx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Tape shows PMI active. Yes. As per the document, it is NO. | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | Tape shows MI company others. As per the MI document, it is XXXX. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | xx.xxxxx% | Tape shows the original appraisal value is $xx. As per the appraisal document, $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | The tape shows the stated remaining term is xxx. As per document xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxx.xx | -x.xxxxx% | Original Appraisal Value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of Refinance Per HUD-x is Limited Cash Out | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated Remaining Term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | BRW last name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | PMI is N/A. in these loan file. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxx.xx | -x.xxxxx% | Original appraisal value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  |  |  |  | Payment history string is NA. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xx.xx | x.xxxxx% | Original appraised value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | MMxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | N/A. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | Purpose of refinance is change in Rate /Term. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | As per the document, the original appraised value is $xx, but the tape shows $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxx | xxxxxxxNNNNNNNNNNNNNNNNN |  |  | Payment history string is Not Applicable | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | As per the document, the stated remaining term is xxx, but the tape shows xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $x.xx | x.xxxxx% | original appraised value is $xx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -x.xxxxx% | stated remaining term is xxx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows No and audit value shows NA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Tape shows $xx and audit value shows $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Tape shows xx/xx/xxxx and audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxx | xxNNNNNNNNNNNNNNNNNNNNNN |  |  |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows xxxand audit value shows xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA.. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | As per the document is PMI active not applicable but tape shows no. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xx.xx | x.xxxxx% | As per the document original appraised value $xx but tape shows xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | As per the document stated remaining term is xxx but tape shows as xxx. | Initial |
| xx | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Single Family |  |  | Subject property type commercial property. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #x is xx. Tape shows xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | N/A. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is $xx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is not applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original appraised value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxx | xxxxxxxxxxxxNNNNNNNNNNNN |  |  | payment history string is not applicable. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Original Appraised value is $xx. | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxNNNNNNNNNNNNNN |  |  | Payment history string is NA. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  |  | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the Current Value $xx, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows the PMI Active No, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxx.xx | -x.xxxxx% | Tape shows the Original Appraised Value $xx, but the audit value shows $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows the Stated Remaining Term xxx, but the audit value shows xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | The Appraisal value as per Appraisal document is $xx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | The subject loan has no MI. Since PMI is not applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxx.xx | x.xxxxx% | The Appraisal value as per Appraisal document is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | No Cash-Out | Limited Cash Out (GSE definition) |  |  | The subject loan purpose of refinance is No Cash out. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Subjected loan stated remaining term is xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows No but audit value shows NA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xx.xx | -x.xxxxx% | Tape shows $xx but audit value shows $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  |  |  |  | Unavailable. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of Refinance is Change in Rate/term. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction is Refinance. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows xxx but audit value shows xxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is Not Applicable | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is Not Applicable | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxNNNNNN |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Loan Documentation Type | Full Documentation | Alternative |  |  |  | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxx.xx | -x.xxxxx% | Original appraised value is $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows Stated remaining Term is xxx but audit value is given as xxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per document updated. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | NA | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows Stated remaining Term is xxx but audit value is given as xxx. | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) |  |  | $-xxxxx.xx | -xx.xxxxx% | Cash to BRW is $xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Tape shows Age of loan is x but audit value is given as x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxx.xx | -x.xxxxx% | Original Appraisal Value is $xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx. Tape shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | PMI is not applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Tape shows Age of loan Data provided x and Audit value is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value Data provided $xx and Audit value Not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows Original Note date is Data provided xx/xx/xxxx and audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age Of Loan is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Deferred Balance Amount | Not Applicable |  |  |  | Deferred Balance Amount is not applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per Appraisal document current value is $xx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | PMI is N/A. | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | FHA Loan. | Initial |
| xx | xx | xx | MI Coverage Amount | Not Applicable | xx.xxx% |  |  | NA. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | As per Appraisal value $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of refinance per HUD-x is limited cash out. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active? is not applicable. | Initial |
| xx | xx | xx | Loan Documentation Type | Streamline Refinance | Full Documentation |  |  | As per loan documents. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Tape shows the Age of Loan xx, but the audit value shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the Current Value $xx, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Tape shows the PMI Active Yes, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | MI Coverage Amount | Unavailable | xx.xxx% |  |  | Tape shows the MI Coverage Amount xx.xxx%, but the audit value shows Unavailable. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows current value $xx. Audit value shows N/A. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Loan Documentation Type | Streamline Refinance | Full Documentation |  |  | Loan documentation type as streamline refinance. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx months. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows current value $xx. Audit value shows N/A. | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | Tape shows MI company xxd Audit value shows xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows property address street xx. Audit value shows xx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI Company is xx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is NA. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Tape shows Age of loan is xx but audit value is given as xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Deferred Balance Amount | Unavailable | $xxx.xx |  |  |  | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | No | Yes |  |  |  | Initial |
| xx | xx | xx | Loan Amortization Type | Unavailable | Fixed |  |  |  | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx |  |  |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -xxx | -xx.xxxxx% | Tape shows Stated remaining Term is xxx but audit value is given as xxx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Tape shows Age of loan Data provided xx and Audit value xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value Data provided $xx and Audit value Not applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | Tape shows MI Company Data provided XXXX and Audit value XXXX. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Tape shows age of loan is xx. As per document xx. | Initial |
| xx | xx | xx | Deferred Balance Amount | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows PMI's active status is No. As per xxxx Not applicable. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | PMI is not Applicable. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Tape shows age of loan audit value xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows current value audit value not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Unavailable | Yes |  |  | Tape shows is PMI active audit value not applicable. | Initial |
| xx | xx | xx | Loan Documentation Type | Streamline Refinance | Full Documentation |  |  | loan documentation type is streamline refinance. | Initial |
| xx | xx | xx | MI Coverage Amount | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Tape shows MI coverage amount audit value xx.xxx%. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Tape shows purpose of refinance per HUD-x audit value limited cash out | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active? is Not Applicable. | Initial |
| xx | xx | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number is xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is NA. | Initial |
| xx | xx | xx | MERS MIN Number | xx | xx |  |  | MERS MIN number is xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Yes | No |  |  |  | Initial |
| xx | xx | xx | MERS MIN Number | xx | xx |  |  | MIN# is xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Subject Property Type | Low Rise Condo (x-x Stories) | Single Family |  |  | Subject property type is low rise condo (x-x stories) | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Loan Documentation Type | Streamline Refinance | Full Documentation |  |  | Loan documentation type is streamline refinance. | Initial |
| xx | xx | xx | Mortgage Type | VA | Conventional |  |  | Mortgage type is VA. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -x.xxxxx% | Stated remaining term xxx. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Tape shows D and audit value shows NA. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Subject Property Type | Manufactured Housing | Mobile Home |  |  | As per the document subject Property type manufactured housing but tape shows as mobile home. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | xxx (Days) |  |  | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxx | xxxxxxxxx??????????????? |  |  | Payment history string is MMMxxxxxxxM. Tape shows xxxxxxxx??????????????. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | No Cash-Out |  |  | purpose of refinance per HUD-x is Limited cash out (GSE Definite). Tape shows No Cash-out. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | age of loan xxx. | Initial |
| xx | xx | xx | ARM Index Type | Treasury - One Year | Treasury - weekly - CMT |  |  | ARM index type treasury one year . | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value N.A | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | first pay change date xx/xx/xxxx. | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | xx/x/xxxx |  |  | Interest paid through date N.A | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI active No | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xxx.xx | xx.xxxxx% | original stated P&I $xxx.xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | purpose of transaction per HUD refinance . | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | purpose of application refinance . | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Rate adjustment subsequent cap percent x.xx%. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Stated remaining term xxx. | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Age of loan is xxx | Initial |
| xx | xx | xx | ARM Index Type | Treasury - One Year | Treasury - weekly - CMT |  |  | ARM Index Type is Treasury - One Years | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | ARM Lifetime cap rate is x.xxx% | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicbale | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | First Pay Change date is xx/xx/xxxx | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | Interest paid through date is xx/xx/xxxx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI Active? is No | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xx.xx | xx.xxxxx% | Original Stated p&i is $xxx.xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Rate Adjustment Subsequent Cap Percent is x.xxx% | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Stated remaining term is xxx | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property type PUD | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | Interest Paid Through Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Is PMI Active? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Secondary | Primary |  |  | Occupancy at Origination is Secondary | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxxxx.xx | -xx.xxxxx% | Original Appraised Value is $xx | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | As per the document, age of loan is xxx, but the tape shows xxx. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per the document, the ARM lifetime cap rate is x.xxx%, but the tape shows x.xxx%. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | As per the document, first pay change date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | As per the document, Is PMI Active? is not applicable, but the tape shows yes. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xx.xx | x.xxxxx% | As per the document, original stated P&I is $xxx.xx, but the tape shows $xxx.xx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | As per the document, purpose of transaction per HUD-x is refinance, but the tape shows purchase. | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | As per the document, purpose per application is refinance, but the tape shows purchase. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | As per the document, the rate adjustment initial cap percent is x.xxx%, but the tape shows xx.xxx%. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | As per the document stated, the remaining term is xxx, but the tape shows xxx. | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Age of loan is xxx. | Initial |
| xx | xx | xx | ARM Index Type | Treasury - One Year | Treasury - weekly - CMT |  |  | AMR index type is treasury one year. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | First pay change date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | NA. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xx.xx | xx.xxxxx% | Original state P&I is $xxx.xx. | Initial |
| xx | xx | xx | Property Postal Code | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | As per loan documents. | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | As per loan documents. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Rate adjustment subsequent cap percent is x.xxx%. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Subject Property Type | Manufactured Housing | Single Family |  |  | Subject property type is manufactured housing. | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | As per the document age of loan xxx but tape shows xxx. | Initial |
| xx | xx | xx | ARM Index Type | Treasury - One Year | Treasury - weekly - CMT |  |  | As per the document ARM index type unavailable but tape shows treasury- weekly - CMT. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicabkle | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | As per the document first pay change date xx/xx/xxxx but tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | As per the document interest paid through date not applicable but tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | As per the document is PMI active not applicable but tape shows yes. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xx.xx | xx.xxxxx% | As per the document, the original stated P&I was $xxx.xx, but the tape shows $xxx.xx. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | As per the document stated remaining term is xxx but tape shows as xxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per the document subject Property type PUDbut tape shows as Single family. | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Age of loan is xxx months. | Initial |
| xx | xx | xx | ARM Index Type | Treasury - One Year | Treasury - weekly - CMT |  |  | ARM index is Treasury - x yr. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | ARM lifetime cap rate is x%. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Note reflects BWR #x middle name as xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Appraisal document is missing. | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | first pay change date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | PMI is not N/A. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xx.xx | x.xxxxx% | As per note document P&I is $xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Rate adjustment subsequent cap % is x%. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | As per note document remaining term is xxx months. | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | x | x.xxxxx% | Tape shows xxx and audit value shows xxx. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Tape shows x.xxx% and audit value shows x.xxx%. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | Tape shows xx/xx/xxxx and audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Tape shows Yes and audit value shows NA. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xxx.xx | xxx.xxxxx% | Tape shows $xxx.xx and audit value shows $xxx.xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows xx and audit value shows xx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Tape shows Purchase and audit value shows Refinance. | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Tape shows Purchase and audit value shows Refinance. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Tape shows xx.xxx% and audit value shows x.xxx%. | Initial |
| xx | xx | xx | Stated Remaining Term | xx | xx | x | x.xxxxx% | Tape shows xx and audit value shows xx. | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Age of loan is xxx. | Initial |
| xx | xx | xx | ARM Index Type | Treasury - One Year | Treasury - weekly - CMT |  |  | ARM Index type is treasury one year | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | ARM lifetime cap rate is x.xxx% | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicalbe | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | First pay change date is xx/xx/xxxx | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | Interest paid through date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | No | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xx.xx | x.xxxxx% | Original stated P&I is $xx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Purpose of transaction per HUD-x is refinance. | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | purpose per application is refinance. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Rate adjustment subsequent cap percent is x.xxx% | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Age of Loan is xxx. | Initial |
| xx | xx | xx | ARM Index Type | Treasury - One Year | Treasury - weekly - CMT |  |  | ARM Index Type is Treasury - One Year. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | ARM lifetime cap rate is x% | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | First Pay Change Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | Interest Paid Through Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xx.xx | xx.xxxxx% | Original Stated P&I is $xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Purpose of Transaction per HUD-x is Refinance | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose per application is Refinance. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Rate Adjustment Subsequent Cap Percent is x.xxx%. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Stated Remaining Term is xxx. | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Tape shows Age of loan is xxx and Audit value xxx. | Initial |
| xx | xx | xx | ARM Index Type | Treasury - One Year | Treasury - weekly - CMT |  |  | Tape shows ARM Index type is Treasury - weekly and Audit value Treasury - one year. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value Data provided $xx and Audit value Not applicable. | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | Tape shows First pay change date xx/xx/xxxx and Audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Tape shows Is PMI active is yes and Audit value is No. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xx.xx | x.xxxxx% | Tape shows Original stated P&I Data provided $xx and Audit value $xxx.xx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Purpose of Transaction Per HUD-x is Refinance | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Tape shows Purpose of Application Data provided Purchase Audit value Unavailable. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Tape shows Rate adjustment Subsequent cap percent is xx.xxx% and Audit value is x.xxx%. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Tape shows Stated Remaining term Data provided xxx and Audit value xxx. | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Tape shows the age of loan is xxx, but the audit value is xxx. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Tape shows x.xxx% but audit value shows x.xxx%. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the current value is $xx, but the audit value is NA. | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | Tape shows the first day change date is xx/xx/xxxx, but the audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | NA | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xxx.xx | xx.xxxxx% | Tape shows the original stated P&I is $xx, but the audit value is $xxx.xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows the property address street is xx, but the audit value is xx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Tape shows the purpose of transaction per HUD-x is purchase, but the audit value is refinance. | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Tape shows the purpose per application is purchase, but the audit value is refinance. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Tape shows xx.xxx% but audit value shows x.xxx%. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Tape shows the stated remaining term is xxx, but the audit value is xxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Tape shows the subject property type is single family, but the audit value is PUD. | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Tape shows xxx but Audit value shows xxx. | Initial |
| xx | xx | xx | ARM Index Type | Treasury - One Year | Treasury - weekly - CMT |  |  | Tape shows Treasury weekly CMT but Audit value shows Treasury One year. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Tape shows x.xxx% but Audit value shows x.xxx%. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Tape shows xx but Audit value shows xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows xx but Audit value shows xx. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Tape shows xx but Audit value shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but Audit value shows N/A. | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | Tape shows xx/xx/xxxx but Audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | Tape shows xx/xx/xxxx but Audit value shows N/A. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Tape shows Yes but Audit value shows No. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xx.xx | xx.xxxxx% | Tape shows $xx but Audit value shows $xxx.xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows xx but Audit value shows xx. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Tape shows xx.xxx% but Audit value shows x.xxx%. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Tape shows xxx but Audit value shows xxx. | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | age of loan is xxx. | Initial |
| xx | xx | xx | ARM Index Type | Treasury - One Year | Treasury - weekly - CMT |  |  | ARM index type Treasury - One Year. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current audit value is not applicable. | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | First pay change date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | Interested paid through date not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI active is no. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xx.xx | x.xxxxx% | Stated P&I audit value is $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Purpose of transaction per HUD-x is refinance. | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | purpose per application not applicable. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Rate adjustment subsequent cap percent is x.xxx%. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Age of loan is xxx. | Initial |
| xx | xx | xx | ARM Index Type | Treasury - One Year | Treasury - weekly - CMT |  |  | ARM index type is Treasury - One Year. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | ARM lifetime cap rate is x.xxx%. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | First pay change date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | Interest paid through date is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | Yes |  |  | Is PMI active is No. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $xx.xx | x.xxxxx% | Original stated P&I is $xx. | Initial |
| xx | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Rate adjustment subsequent cap percent is x.xxx%. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Tape shows the age of loan is x, but the audit value is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows the original note doc date is xx/xx/xxxx, but the audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR x middle name is xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is not applicable. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note date is xx/xx/xxxx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is Not Applicable | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/xx/xxxx | -xxx (Days) |  | Interest Paid through date is xx/xx/xxxx | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original Appraisal Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x Middle Name is Not Applicable | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is not applicable | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/xx/xxxx | -xxx (Days) |  | Interest Paid Through Date is N/A. | Initial |
| xx | xx | xx | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original Appraisal date is xx/xx/xxxx | Initial |
| xx | xx | xx | ARM Index Type | xx-day Average SOFR | Secured Overnight Financing Rate (SOFR) |  |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Interest Paid Through Date | xx/x/xxxx | xx/xx/xxxx | x (Days) |  | As per loan documents. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value as $xx. Loan Audit shows Not required. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  |  | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  |  |  |  |  | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Tape shows Age of loan is xx. As per document is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Primary | Investor |  |  | Tape shows occupancy at origination Investor. As per xxxx it is primary. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original Appraisal Value is $xx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | As per note document age of loan is xx months. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per Appraisal document current value is $xx. | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | xx/x/xxxx |  |  | Not Required. | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Primary | Investor |  |  | As per Final xxxx property is primary. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | As per Appraisal document Appraisal value is $xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| xx | xx | xx | Subject Property Detached/Attached | Detached | Attached |  |  | Subject property is Detached | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | As per the document, the age of loan is x, but the tape shows x. | Initial |
| xx | xx | xx | Current Value |  |  | $-x.xx | -x.xxxxx% | As per the document, the current value is $xx, but the tape shows $xx. | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | xx/x/xxxx |  |  | As per the document, Interest paid through date is not applicable, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | As per the document, Is PMI Active is not applicable, but the tape shows no. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-x.xx | -x.xxxxx% | As per the document, the original appraised value is $xx, but the tape shows $xx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Tape shows the age of loan is xx, but the audit value is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value as $xx. Loan Audit shows Not required. | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | xx/x/xxxx |  |  | Tape shows the interest paid through date is xx/xx/xxxx, but the audit value is NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxx.xx | $xxx.xx | xx.xxxxx% | Tape shows the original stated P&I is $xx, but the audit value is $xx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan as per the audit value is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value as per the audit value is $xx | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original appraisal value as per the audit value is $xx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age OF Loan is x. Tape shows x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is $xx.Tape shows $xx. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxx (Days) |  | Interest paid through date is not applicable. Tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable. Tape shows No. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $xxxx.xx | x.xxxxx% | Original Appraised Value is @xx.Tape shows $xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value as $xx. Loan Audit shows Not required. | Initial |
| xx | xx | xx | Payment History String | xx | x |  |  |  | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | BWRx name is xx. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | BWRx name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWRx name is xx. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | BWRx name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -x (Days) |  | First payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxx |  |  |  | N/A. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Payment History String | xxx | x |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is Not Applicable. | Initial |
| xx | xx | xx | Payment History String | xxxx | xxx |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | NA. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | As per loan document. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Escrow Account Indicator | Yes | No |  |  | As per loan document. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | xx (Days) |  |  | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -x | -x.xxxxx% |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and Audit value is N/A. | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Investor | Primary |  |  | Occupancy at origination is investor. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows xx/xx/xxxx and Audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Tape shows the borrower last name is xx, but the audit value is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Balloon Indicator | Yes | No |  |  | As per the document balloon indicator is yes but tape shows as no. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per the document current value is not applicable but tape shows as $xx. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a Mod Change Note Terms? is Yes | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | As per the document Is PMI active is not applicable but tape shows as no. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | As per the document Is REO active is not applicable but tape shows as no. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxMMMMM | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History string is | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is Yes | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is $xx. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a Modification Change Note Terms? is Yes | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is Not Applicable. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active is Not Applicable. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Neg. Amort Potential is Not Applicable. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxMMMMM | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxMMMM | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | As per the document, bankruptcy is yes, but the tape shows no. | Initial |
| xx | xx | xx | Current Legal Status | Performing | Collections, xx-xxx Days |  |  | As per the document, current legal status is performing, but the tape shows collection, xx-xxx days. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per the document, the current value is $xx, but the tape shows $xx. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | As per the document, currently in foreclosure? is yes, but the tape shows no. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | As per the document, did a modification change note terms? is yes, but the tape shows no. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | As per the document, Is PMI active? is not applicable, but the tape shows no. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | As per the document, neg, amort potential is not applicable, but the tape shows no. | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per the note document, the property address street is xx. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower # x first name is xx. | Initial |
| xx | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | Borrower # x middle name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value is not applicable. tape shows $xx. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | is PMI Active is not applicable. tape shows no. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | neg, amort potential? is not applicable. Tape shows No. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the Current Value $xx, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a Modification change note terms? is yes | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | Escrow Account Indicator is no | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Tape shows the REO Active No, but the audit value shows Not Available. | Initial |
| xx | xx | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Loan Amortization Typr is Unavible | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Neg Amort Potential? is Not Applicable | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Tape shows the Payment History String xxx, but the audit value shows xxx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Purpose of transaction pe hud-x is cash out | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose per application | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx |  |  | Stated Maturity Date is UnVAIBLE | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated Remainig term is xxx | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Tape shows the Did a Modification Change Note Terms No, but the audit value shows Yes. | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | Escrow Account Indicator is No | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | First Payment Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows the PMI Active No, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Tape shows the REO Active No, but the audit value shows not applicable. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Not Applicable | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | -x.xxxxx% | -x.xxxxx% | Tape shows the original stated rate of x.xxxxx%, but the audit value shows x.xxxxx%. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxMMMMMM | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxMMMMM | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR middle name is xx. | Initial |
| xx | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | BWR #x middle name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the Current Value $xx, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | NA | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -x (Days) |  | Tape shows the First Payment Date xx/xx/xxxx, but the audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxMMMM | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Property City | xx | xx |  |  | Tape shows the Property City xx, but the audit value shows xx. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a Modification Change Note Term is Yes | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | Escrow Account Indicator is No | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is Not Applicable | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active? is Not Applicable | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxMMMMM | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxMMMMM | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Yes. | Initial |
| xx | xx | xx | Current Value |  |  | $-xxxxx.xx | -xx.xxxxx% | Tape shows Current value is $xx but audit value is given as xx. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Yes. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows Is PMI Active? as no but audit value shows NA | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Tape shows Neg. Amort Potential? as No, but audit value shows NA. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxMM | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History string xxxxxxxxxxxxxxxxxxxxxxxMM. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination) is Yes. | Initial |
| xx | xx | xx | Current Legal Status | Collections | Collections, < xx Days |  |  | Current legal status is Collections. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Deferred Balance Amount | Not Applicable | $xxxx.xx |  |  | Deferred balance amount is NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is NA. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active is NA. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Neg. amort potential is NA. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $x.xx | x.xxxxx% | Original stated P&I $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxMMMMMMM | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxxxxxxxxxMMMMM. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | -xxx (Days) |  | Stated maturity date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Balloon Indicator | Not Applicable | No |  |  | Balloon indicator is NA. | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) |  |  | $xx.xx | x.xxxxx% | Cash-to-borrower (HUD-x Line xxx) is $xx. | Initial |
| xx | xx | xx | Current Legal Status | Collections, < xx Days | Performing |  |  | Current legal status is Collections, Initial |  |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx |  |  | Doc date of last modification is UA. | Initial |
| xx | xx | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account indicator is yes. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | First payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is NA. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active is NA. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Neg. amort potential is NA. | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Appraisal document is missing from the loan file. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Yes | Initial |
| xx | xx | xx | Is REO Active? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | payment history string xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Tape shows Did a Modification Change Note Terms No, but the audit value shows Yes. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Tape shows the REO Active No, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Loan Amortization Type | Unavailable | Fixed |  |  |  | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Tape shows the Payment History String Xxx, but the audit value shows xxx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Tape shows the Purpose of Transaction per HUD-x Purchase, but the audit value shows Refinance. | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Tape shows the Purpose of Application Purchase, but the audit value shows Refinance. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx |  |  |  | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -xxx | -xx.xxxxx% | Tape shows the Stated Remaining Term xxx, but the audit value shows xxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Escrow Account Indicator | Unavailable | Yes |  |  | NA | Initial |
| xx | xx | xx | First Payment Date | xx | xx | xx (Days) |  | First payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | -x.xxxxx% | -x.xxxxx% | Original state rate is x.xxxxx%. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxMMMMM | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xx (Days) |  | Stated maturity date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Balloon Indicator | Yes | No |  |  | Loan is balloon. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Tape shows the bankruptcy (post-loan origination). Data provided is no audit. Value. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR #x middle name is xx. | Initial |
| xx | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | BWR #x middle name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | NA. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Loan Amortization Type | Unavailable | Fixed |  |  | NA | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Maturity term is xxx months. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $-x.xx | -x.xxxxx% | P&I is $xxx.xx. | Initial |
| xx | xx | xx | Original Stated Rate | xx.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Note rate is xx%. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxMMxxxx | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | NA. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Note reflects address as xx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx |  |  | NA | Initial |
| xx | xx | xx | Stated Remaining Term | -xxx | xxx | -xxx | -xxx.xxxxx% | Stated remaining term is - xxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | Tape shows the escrow account indicator data provided is Yes, the other audit value is no. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | xx (Days) |  | Tape shows the first payment date data provided is xx/xx/xxxx. The other audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is Not Applicable | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxMMMMMMM | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | NA. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Tape shows the purpose of refinance per HUD-x data provided is cash out; other audit value is no cash out. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Tape shows the purpose of the transaction per HUD-x. The data provided is cash out; the audit value is refinance. | Initial |
| xx | xx | xx | Balloon Indicator | Yes | No |  |  | Balloon Indicator is yes. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Yes. | Initial |
| xx | xx | xx | Escrow Account Indicator | Unavailable | Yes |  |  | Escrow account Indicator is Unavailable. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | first payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xx | xx | x | x.xxxxx% | Loan Original maturity Term months is xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | payment history string xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Balloon Indicator | Unavailable | No |  |  | Balloon Indicator is Unavailable. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy(post loan Origination)? is Yes | Initial |
| xx | xx | xx | Current Value | Unavailable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in Foreclosure? is Not applicable | Initial |
| xx | xx | xx | Escrow Account Indicator | Unavailable | No |  |  | Escrow Account indicator is Unavailable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Lien Priority Type | First | Second |  |  | As per loan documents. | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xxx | xxx | xx | xx.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original Stated P&I | Unavailable | $xxxx.xx |  |  |  | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | As per loan documents. | Initial |
| xx | xx | xx | Purpose Per Application | Not Applicable | Purchase |  |  | Purpose Per Application is Not applicable. | Initial |
| xx | xx | xx | Subject Property Type | Single Family | x Family |  |  | As per loan documents. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Yes. | Initial |
| xx | xx | xx | Bankruptcy Filing Date | xx | xx | xxxx (Days) |  | xx/xx/xxxx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Yes. | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | No. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Number Of Units | x | x | x | xxx.xxxxx% | Number of unit x. | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string xxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | No Cash-Out | Change in Rate/Term |  |  | Purpose of transaction is cash out. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Cash out. | Initial |
| xx | xx | xx | Subject Property Type | x Family | x Family |  |  | Subject property type x family. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Escrow Account Indicator | Unavailable | Yes |  |  | Escrow account indicator is unavailable. | Initial |
| xx | xx | xx | Interest Only Period? | Yes | No |  |  | Interest only period is yes. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is not applicable. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active is not applicable. | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $xxx.xx | xx.xxxxx% | Original stated P&I is $xx | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | payment history string is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Purpose of transaction per HUD-x is refinance. | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose per application is refinance. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR #x middle name is xx. | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | x (Days) |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is not applicable. | Initial |
| xx | xx | xx | Loan Amortization Type | ARM | Fixed |  |  | Loan amortization type is ARM. | Initial |
| xx | xx | xx | Neg. Amort Potential? | No | Yes |  |  |  | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | -x.xxxxx% | -x.xxxxx% | Original stated rate is x.xxxxx% | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| xx | xx | xx | Bankruptcy Filing Date | xx | xx | -xx (Days) |  | Bankruptcy Filing Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Current Legal Status | Bankruptcy-Current | Collections, xx-xxx Days |  |  | Current Legal Status is Bankruptcy-Current. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is Not Applicable. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in Foreclosure? is Yes. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a Modification Change Note Terms? is Yes. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active? is Not Applicable. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Neg. Amort Potential? is Not Applicable. | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Purpose of Transaction per HUD-x is Refinance. | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose of Application is Refinance. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x middle name is xx. | Initial |
| xx | xx | xx | Current Value | Unavailable |  |  |  | Current Value is Unavailable. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in Foreclosure? is Yes. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a Modification Change Note Terms? is Yes. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active? is not applicable. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Neg, amount potential? is not applicable. | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Purpose of Transaction per HUD-x is Refinance. | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose of Application is Refinance. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value NA | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx |  |  | Doc date of last mod Unavailable | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | Escrow account Indicator No | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | First payment date xx/xx/xxxx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | PMI NA | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | REO active N.A | Initial |
| xx | xx | xx | Modification First Payment Date | Unavailable | xx/x/xxxx |  |  | Mod first payment date unavailable | Initial |
| xx | xx | xx | Modification Original P&I | Unavailable | $xxx.xx |  |  | Modification original P&I unavailable | Initial |
| xx | xx | xx | Modification Original Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Modification rate x.xxx% | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | NEG amort NA | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | -x.xxxxx% | -x.xxxxx% | Original stated rate x.xx% | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Principal Balance Stated in Mod | Unavailable |  |  |  | Principle balance stated in Mod Unavailable | Initial |
| xx | xx | xx | Property City | xx | xx |  |  | Property city xx | Initial |
| xx | xx | xx | Property Postal Code | xx | xx |  |  | Property postal code xx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx |  |  | Stated maturity date Unavailable | Initial |
| xx | xx | xx | Stated Remaining Term | -xx | xxx | -xxx | -xxx.xxxxx% | stated remaining term - xx | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | bankruptcy updated by loan auditor. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per the document, the current value is not applicable, but the tape shows $xx. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | As per the document, Is PMI active? is not applicable, but the tape shows no. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | REO active shows Not applicable. | Initial |
| xx | xx | xx | Payment History String |  |  |  |  | Payment history string updated by loan auditor. | Initial |
| xx | xx | xx | Balloon Indicator | Yes | No |  |  | Tape shows No but audit value shows Yes. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows NA. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | As per loan documents. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows No but audit value shows NA. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Loan Amortization Type | Step | Fixed |  |  | As per loan documents. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Tape shows No but audit value shows NA. | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows xx but audit value shows xx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Tape shows Purchase but audit value shows Cash Out. | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Tape shows Purchase but audit value shows Refinance. | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) | Not Applicable | $xxxx.xx |  |  | Cash to borrower (HUD-x Line xxx) is NA. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Doc date of last modification is xx/xx/xxxx. | Initial |
| xx | xx | xx | Escrow Account Indicator | Not Applicable | Yes |  |  | Escrow account indicator is NA. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xxxx (Days) |  | Fist payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is NA. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active is NA. | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xx | -xx.xxxxx% | Loan original maturity term months is xxx. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Neg. amort potential is NA. | Initial |
| xx | xx | xx | Original Balance (or Line Amount) | xx | xx | $-xxxxx.xx | -xx.xxxxx% | Original balance (or Line amount) is $xx. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -xxxx (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Stated P&I | $xxx.xx | $xxx.xx | $-xxx.xx | -xx.xxxxx% | Original stated P&I is $xx. | Initial |
| xx | xx | xx | Original Stated Rate | xx.xxxxx% | xx.xxxxx% | x.xxxxx% | x.xxxxx% | Original stated rate is xx.xxxxx%. | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per the document, the current value is $xx, but the tape shows $xx. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in foreclosure updated by loan auditor. | Initial |
| xx | xx | xx | Deferred Balance Amount |  |  |  | xx.xxxxx% | As per the document, deferred balance amount is $xx, but the tape shows $xx. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | As per the document, modification change note terms? is yes, but the tape shows no. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | As per the document, Is PMI active? is not applicable, but the tape shows no. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | As per the document, Neg amort potential? is not applicable, but the tape shows no. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street updated as per note document. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | As per Note document Borrower #x Middle name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | The current value is $xx. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Neg. Amort Potential is Not Applicable. | Initial |
| xx | xx | xx | Payment History String |  |  |  |  | As per loan documents. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | The Purpose of Transaction per HUD-x is Refinance. | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | The Purpose per Application is Refinance. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A. | Initial |
| xx | xx | xx | Deferred Balance Amount | Unavailable |  |  |  | Unavailable. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Yes. | Initial |
| xx | xx | xx | Escrow Account Indicator | Unavailable | Yes |  |  | Unavailable. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Unavailable. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Payment History String |  |  |  |  | Payment history string xxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx |  |  | Unavailable. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -xxx | -xx.xxxxx% | Stated remaining term is xxx. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | As per loan documents. | Initial |
| xx | xx | xx | Deferred Balance Amount | Not Applicable | $xxx.xx |  |  | NA. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | As per loan documents. | Initial |
| xx | xx | xx | Escrow Account Indicator | Unavailable | Yes |  |  | NA. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | Tape shows xx/xx/xxxx and audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Tape shows No and audit value shows NA. | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | -x.xxxxx% | -x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is N/A. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | Escrow account indicator is NO | Initial |
| xx | xx | xx | Interest Only Period? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $xxx.xx | xx.xxxxx% |  | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is yes | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | is REO Active? is Not Applicable | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $xx.xx | x.xxxxx% | Tape shows $xx and audit value shows $xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Supporting documents are missing. | Initial |
| xx | xx | xx | Escrow Account Indicator | Unavailable | Yes |  |  | Supporting documents are missing. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xxx | xxx | x | x.xxxxx% |  | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Number Of Units | x | x | -x | -xx.xxxxx% | Supporting documents are missing. | Initial |
| xx | xx | xx | Payment History String |  | XXXxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Balloon Indicator | Yes | No |  |  | Balloon Indicator is Yes | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | NA. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active is Not Applicable | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original Stated Rate is x.xxxxx% | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | payment history string is | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination)? is Yes. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x First Name is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active? is Not Applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx |  |  | Original Note Doc Date is Unavailable. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx |  |  |  | Initial |
| xx | xx | xx | Escrow Account Indicator | Yes | No |  |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Loan Amortization Type | Unavailable | Fixed |  |  |  | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | Yes |  |  | NA | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  |  |  |  |  | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | NA | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |
| xx | xx | xx | Referral Date | xx | xx |  |  |  | Initial |
| xx | xx | xx | Balloon Indicator | Yes | No |  |  | Balloon Indicator is Yes | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Updated as per loan audit. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Updated as per loan audit. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | xx (Days) |  | Updated as per loan audit. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Updated as per loan audit. | Initial |
| xx | xx | xx | Loan Amortization Type | ARM | Fixed |  |  | Updated as per loan audit. | Initial |
| xx | xx | xx | Modification Original P&I | $xxxx.xx | $xxxx.xx | $xx.xx | x.xxxxx% | Updated as per loan audit. | Initial |
| xx | xx | xx | Modification Original Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Updated as per loan audit. | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Updated as per loan audit. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Updated as per loan audit. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Current Value |  |  | $-xxxxxx.xx | -xx.xxxxx% | Current Value is $xx. tape shows $xx. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Interest Only Period? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Is REO Active? | Unavailable | No |  |  |  | Initial |
| xx | xx | xx | Loan Amortization Type | Fixed | ARM |  |  |  | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Loan original maturity term months is xxx. Tape shows xxx. | Initial |
| xx | xx | xx | Neg. Amort Potential? | No | Yes |  |  | Neg. Amort Potential is No. Tape shows Yes. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxx.xx | $xxx.xx | xx.xxxxx% | Original Stated P&I is $xx. Tape shows $xx. | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | -x.xxxxx% | -x.xxxxx% | Original Stated Rate is x.xxxxx%. Tape shows x.xxxxx%. | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is Yes | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | currently in foreclosure | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | x (Days) |  | Last mod NA | Initial |
| xx | xx | xx | Loan Amortization Type | Fixed | ARM |  |  | loan amortization is fixed | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xxx | xxx | x | x.xxxxx% | Loan original maturity term months xxx | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $xxx.xx | x.xxxxx% | Original stated PI is $xx | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | -x.xxxxx% | -x.xxxxx% | Original stated rate is x.xx% | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string is | Initial |
| xx | xx | xx | Principal Balance Stated in Mod |  |  |  | xx.xxxxx% | principal balance stated in mod is $xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is Lot xx | Initial |
| xx | xx | xx | Purpose Per Application | Refinance | Construction/Perm |  |  |  | Initial |
| xx | xx | xx | Current Legal Status | Collections, xx-xxx Days | Collections, < xx Days |  |  | Current legal status is collection, xx-xxx Days. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Doc date of last modification is xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is NA. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active is NA. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Neg. amount potential is NA. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Payment History String |  |  |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy(Post-Loan Origination)? is Yes. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is $xx. | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | Escrow Account Indicator is No. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | xx (Days) |  | First Payment Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active? is Not Applicable. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Neg. Amort Potential? is Not Applicable. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Note rate is x.xx%. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | payment History string is xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| xx | xx | xx | Current Legal Status | Collections, < xx Days | Performing |  |  |  | Initial |
| xx | xx | xx | Current Value | Unavailable |  |  |  | Current value is Unavailable. | Initial |
| xx | xx | xx | Deferred Balance Amount | Not Applicable | $xxx.xx |  |  |  | Initial |
| xx | xx | xx | Escrow Account Indicator | Unavailable | Yes |  |  | Escrow account indicator is Unavailable. | Initial |
| xx | xx | xx | Is PMI Active? | Unavailable | No |  |  | IS PMI Active is Unavailable. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Neg. Amort Potential is Not applicable. | Initial |
| xx | xx | xx | Payment History String |  |  |  |  |  | Initial |
| xx | xx | xx | Property City | xx | xx |  |  | Property type is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx |  |  |  | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx |  |  |  | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxx.xx | $xxxx.xx | xxx.xxxxx% |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in Foreclosure? is Yes. | Initial |
| xx | xx | xx | Deferred Balance Amount |  |  |  | xx.xxxxx% | Deferred Balance Amount is $xx. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a Modification Change Note Terms? is Yes. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable. | Initial |
| xx | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Neg. Amort Potential? is Not Applicable. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | Xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Referral Date | xx | xx |  |  | Referral Date is Unavailable. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination) is yes. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Deferred Balance Amount |  |  | $xxxx.xx | x.xxxxx% |  | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is NA. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  |  |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Current Value | Unavailable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | Tape shows xx/xx/xxxx and audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows No and audit value shows NA. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  |  |  |  |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows xx and audit value shows xx. | Initial |
| xx | xx | xx | Property City | xx | xx |  |  | Tape shows xx and audit value shows xx. | Initial |
| xx | xx | xx | Referral Date | xx | xx |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BRW first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Payment History String | xxxxx | xxx |  |  | Payment history string is NA. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | tape shows age of loan is xx but audit value is given as xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xxxxxx.xx but audit value is given as NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | tape shows Original note Doc date is xx/xx/xxxx but audit value is given as xx/xx/xxxx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Tape shows purpose of refinance per HUD-x is change in rate term but audit value is cash out other | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  |  | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Tape shows the age of loan is x, but the audit value is x. | Initial |
| xx | xx | xx | Current Legal Status | Collections, < xx Days | Collections |  |  | Current legal status updated by loan auditor. | Initial |
| xx | xx | xx | Payment History String |  | PPPPPxxx |  |  | Payment history string updated by loan auditor. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxx | CCxCCCCCCC |  |  | Payment history string xxxxxxxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Not required. | Initial |
| xx | xx | xx | Payment History String |  | CCCCCCCCxC |  |  | Updated as per loan audit. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | x | x |  |  | Updated as per loan audit. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxx | PPPPPPPPPCCCC |  |  | Payment History String is xxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Subject Property Type | Mid Rise Condo (x-x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject Property Type is Mid Rise Condo | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of Loan is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxx | CPPPPPPPPPPCC |  |  | Payment History String is xxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxx | CCCPPPPPPPPCC |  |  | xxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxx | CCCPPPPPPPPPC |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value NA | Initial |
| xx | xx | xx | Is PMI Active? | No | Yes |  |  | PMI is No | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | PPPPPPPPPPPPC |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Deferred Balance Amount | Unavailable |  |  |  | Deferres Balance amount is Unavaible | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xxx (Days) |  | First payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Loan amortization type is UnVAIBVLR | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xxx | xxx | xx | x.xxxxx% | Loan original maturity term months is xxx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xMMxxxxxxxxxxxxxxx | xCxxxxxxCxxxC |  |  | Payment History String is xMMxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx |  |  | Stated Maturity Date is UnVAIBLE | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxx | xxxC |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxx | xxCC |  |  | Payment history String is xxxxx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value N.A | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xxxx (Days) |  | As per note document first payment date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | As per note document Loan Original Maturity term months is xxx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String |  | xxxxxxxxxCCCC |  |  | payment history string xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | As per note document stated remaining term is xxx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | xx.xxxxx% | Age of the loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxx | CCCCCCCCCC |  |  | Payment history string xxxxxxxxxxxx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows xx but audit value shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows NA. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows NA. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows xx XXXX but audit value shows xx XXXX | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows NA. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xXxx |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xXxx |  |  | Payment history string is MMMMMMMMMMMMMMMMMMMM. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xXxx |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Secondary | Primary |  |  | Tape shows occupancy at origination (property usage type) audit value is secondary. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | x (Days) |  | Tape shows original appraisal date audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | -xxxxx (Days) |  | Tape shows stated maturity date audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Tape shows age of loan audit value is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Tape shows is PMI active audit value is not applicable. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Tape shows original appraisal date audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows N/A. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Tape shows $xx but audit value shows $xx. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Tape shows xx/xx/xxxx but audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | -x.xxxxx% | -x.xxxxx% | Tape shows x.xxxxx% but audit value shows x.xxx%. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows xx but audit value shows xx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Tape shows single family but audit value shows PUD. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is NA. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Tape shows the borrower xx, but the audit value is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Tape shows the borrower #x middle name is xx, but the audit value is NA. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicble | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Tape shows borrower #x middle name as xx, but audit value shows xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | No | Yes |  |  | Tape shows PMI active as Yes, but audit value shows No. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Deferred Balance Amount | Not Applicable |  |  |  | Deferred balance amount N.A | Initial |
| xx | xx | xx | Principal Balance Stated in Mod |  |  |  | x.xxxxx% | principle balance N.A | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | stated maturity date unavailable | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | As per the document, age of loan is x, but the tape shows x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | As per the document, escrow account indicator is no, but the tape shows yes. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | As per the document, Is PMI active? is not applicable, but the tape shows no. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per the document, original note doc date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | As per the document purpose of transaction is cash out but tape shows refinance. | Initial |
| xx | xx | xx | Interest Paid Through Date | xx/x/xxxx | x/x/xxxx | -xx (Days) |  | interest paid through date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | stated remaining term is xxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | subject property type is PUD | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows Original Note Doc date is xx/xx/xxxx but audit value is given as xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | x | C |  |  | As per loan documents | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows Property Address Street as xx but audit value is given as xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per loan document. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | PMI is not required for the subject loan. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | Tape shows First payment date is xx/xx/xxxx but audit value is given as xx/xx/xxxx. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active is Not Applicable | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | tape shows Original note Doc date is xx/xx/xxxx but audit value is given as xx/xx/xxxx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | tape shows Stated maturity date is xx/xx/xxxx but audit value is given as xx/xx/xxxx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Tape shows Stated remaining Term is xxxbut audit value is given as xxx. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #x last name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Subject Property Type | x Family | Single Family |  |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value n.a | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x middle name is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicab;e | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | Orignal Note Doc Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | MERS MIN Number | xx | xx |  |  | MERS MIN number xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | MERS MIN Number | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per loan documents. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Subject Property Type | Low Rise Condo (x-x Stories) | Single Family |  |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | MERS MIN Number | xx | xx |  |  | As per loan document mortgage number is reflected as xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per loan document Note reflect date as xx/xx/xxxx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | MERS MIN Number | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per loan documents. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -xx (Days) |  | Original Note Doc date is xx/xx/xxxx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx | $-xxxx.xx | -x.xxxxx% | Sale Price is $xx | Initial |
| xx | xx | xx | Current Value | Not Applicable | $x.xx |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Mortgage Type | FHA | Conventional |  |  | Mortgage type is FHA. | Initial |
| xx | xx | xx | Current Value | Not Applicable | $x.xx |  |  | N/A. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | Borrower#x Middle Name is not Applicable | Initial |
| xx | xx | xx | Current Value | Not Applicable | $x.xx |  |  | Current Value is aNot Applicable | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x Middle Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable | $x.xx |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x first Name is xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicble | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| xx | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of refinance is change in rate/term. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xx (Days) |  |  | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $-x.xx | -x.xxxxx% | Note reflects P&I as $x,xxx.xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject is PUD. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is N/A. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value N.A | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type PUD | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x middle name not applicable. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value not applicable. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and Audit value is N/A. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is N/A. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of Refinance Per HUD-x is Change in Rate/ Term. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value NA | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Note reflects address as xx. | Initial |
| xx | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A. | Initial |
| xx | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/x/xxxx | -xxx (Days) |  | Interest paid through date is xx/xx/xxxx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | original note doc date is xx/xx/xxxx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | Escrow account Indicator No | Initial |
| xx | xx | xx | Interest Paid Through Date | Not Applicable | xx/xx/xxxx |  |  | Interest paid through date N.A | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  |  | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note doc date xx/xx/xxxx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is N/A | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | NA | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx |  | x.xxxxx% | Appraisal reflect value as $xx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | As per loan document. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | As per loan document. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | As per loan document. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | xx (Days) |  | AS per loan document. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Age of loan xxx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name N.A | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | BWR last name Built on the xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value N.A | Initial |
| xx | xx | xx | Loan Original Maturity Term Months | xx | xxx | -xxx | -xx.xxxxx% | Loan original maturity term months xx | Initial |
| xx | xx | xx | Mortgage Type | Commercial | Conventional |  |  | Mortgage Type Commercial | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Investor | Primary |  |  | Occupancy at origination investor | Initial |
| xx | xx | xx | Original Balance (or Line Amount) | xx | xx | $-xxxxxx.xx | -xx.xxxxx% | original balance $xx | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $xxx.xx | xx.xxxxx% | Original Stated P&I N.A | Initial |
| xx | xx | xx | Original Stated Rate | xx.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | original stated rate xx.xx% | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | stated remaining term xxx | Initial |
| xx | xx | xx | Subject Property Type | Commercial Prop | Single Family |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is not applicable. | Initial |
| xx | xx | xx | Number Of Units | x | x | -x | -xx.xxxxx% | Number of units is x. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $x.xx | x.xxxxx% | Original appraised value is $xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is NA. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of Refianance Pepr HUD-x is Limited Cash Out | Initial |
| xx | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  |  | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows Original Note Doc date is xx/xx/xxxx but audit value is given as xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | NA | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | Original Note Doc Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | x | xxxxxxxxxxxx |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value is not applicable. | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI active is not applicable. | Initial |
| xx | xx | xx | Loan Documentation Type | Alternative | Full Documentation |  |  | As per loan documents. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | -xxx (Days) |  | Stated maturity date is xx/xx/xxxx | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | BRW #x last name is xx. | Initial |
| xx | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | BRW #x middle name is NA. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxx (Days) |  | Stated maturity date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | x | C |  |  | Payment History String is x. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Refinance of Refinance Per HUD-x is Change in Rate/ Term. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction per HUD-x is Refinance. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | As per loan documents. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx months. | Initial |
| xx | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | NA. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Note reflects address as xx. | Initial |
| xx | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | Tape shows xx and Audit value is x. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Tape shows xx and Audit value is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and Audit value is N/A. | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Tape shows xx/xx/xxxx and Audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx months. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Note reflects address as xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Tape shows Borrower Last Name is xx but As per note document Borrower Last Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value N.A | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Original Stated Rate | x.xxxxx% | xxxx.xxx% | -xxxx.xxxxx% | -xxxx.xxxxx% | Original Stated Rate is x.xxxxx%. | Initial |
| xx | xx | xx | Payment History String |  |  |  |  | Payment history string is NA. | Initial |
| xx | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx |  | xx.xxxxx% | Sales Price (HUD-x) is $xx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Escrow Account Indicator | Yes | No |  |  | Tape shows the escrow account indicator is no, but the audit value is yes. | Initial |
| xx | xx | xx | Payment History String | xxxxx | xxxx |  |  |  | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) | $-xxxxxx.xx |  | $-xxxxxx.xx | -xxx.xxxxx% | Cash to Borrower is ($xx) | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Interest Only Period? | No | Yes |  |  | Interest Only Period? is No | Initial |
| xx | xx | xx | Interest Only Term Months Count | Not Applicable | xxx |  |  | Interest Only Term Months Count is Not Applicable | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) | $-xxxx.xx | $xxxx.xx | $-xxxxx.xx | -xxx.xxxxx% | Tape shows Cash to BWR. Loan audit shows Cash from BWR. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/R | Initial |
| xx | xx | xx | Original Balance (or Line Amount) | xx | xx | $xxxx.xx | x.xxxxx% | Tape shows Original balance as $xx. Loan audit shows $xx. | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows Original doc date as xx/xx/xxxx. Loan audit shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name is xx. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | No. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | N/A. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x First Name is xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | No | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name isxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current audit value is not applicable. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in foreclosure is no. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active N.A | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Limited Cash Out (GSE definition) |  |  | purpose refinance change in rate term | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | BWRx First name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWRx First name is xx. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently In Foreclosure Is No. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is RED Active Is Not Applicable. | Initial |
| xx | xx | xx | Subject Property Type | Commercial Prop | Single Family |  |  | Subject Property Type Is Single Family. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in Foreclosure is No. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is RED Active is Not applicable. | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI company is xx. | Initial |
| xx | xx | xx | Property State | xx | xx |  |  | Property state is xx. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Tape shows Borrower #x first name is xx but audit value is given as xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows Borrower first name is xx but audit value is given as xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in Foreclosure? is Not Applicable. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active? is Not Applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | tape shows Original Doc date is xx/xx/xxxx but audit value is given as xx/xx/xxxx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | tape shows property address street is xx but audit value is given as xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | The tape shows the borrower's first name data provided is xx, and the audit value is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | NA. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in foreclosure ? is no. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active ? is not applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is pud | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BRW first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in foreclosure is na. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active is NA. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | BWR #x First name is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR First name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is N/A. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | currently in foreclosure No | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active N.A | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x first name is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  |  | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Occupancy at Origination (Property Usage Type) | Primary | Investor |  |  | Occupancy at origination is primary. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | NA. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | NA. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | NA. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | NA. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per loan document. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | NA. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per loan document. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per loan document. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in Foreclosure is No . | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active? is Not applicable. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | BWR#x first name is xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR First name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value NA | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in Foreclosure is not applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active is Not Applicable | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note date is xx/xx/xxxx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Updated as per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  |  | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Updated as per loan documents. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x first name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | NA | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per note doc BWR first name is xx. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Not details found for FC. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note document original note doc date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% |  | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per final Documents note date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | currently in foreclosure No | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active N.A | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  | MI company NA. | Initial |
| xx | xx | xx | MI Coverage Amount | Not Applicable | xx.xxx% |  |  | MI coverage amount N.A | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | As per the document, the borrower first name is xx, but the tape shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  |  | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | As per the document, the first payment date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | As per the document stated maturity date is xx/xx/xxxx but tape shows as xx/xx/xxxx. | Initial |
| xx | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | As per the document stated remaining term is xxx but tape shows as xxx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows the borrower first name is xx, but the audit value is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicbale | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in Foreclosure is NotApplicable | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active is not applicbale | Initial |
| xx | xx | xx | Loan Documentation Type | DSCR | Alternative |  |  | Loan Documentation Type is DSCR | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currbtly in foreclisure is not applicabele | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active? is Not Applicablble | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows xx/xx/xxxx and audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Stated P&I |  | $xxxx.xx | $xxxx.xx | xx.xxxxx% | Tape shows $xxxx.xx and audit value shows $xxxx.xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value NA | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  |  | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note date is xx/xx/xxxx | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows the Borrower First Name xx, but the audit value shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the Current Value $xx, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | No | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xx.xxx% | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows the Original Note Doc Date xx/xx/xxxx, but the audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $xxxx.xx | xx.xxxxx% | Note reflects P&I as $x,xxx.xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows the Property Address Street xx, but the audit value shows xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Tape shows subject property type as single family but audit value shows as PUD. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in Foreclosure? is Not Applicable. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active? is Not Applicable. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x first name is xx. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is NA | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  |  | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| xx | xx | xx | MI Company | xx | xx |  |  |  | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx |  |  |  | Initial |
| xx | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| xx | xx | xx | Total Balance of Junior Lien(s) | Not Applicable |  |  |  | Total Balance Junior Lien(S) Is N/A | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | NA. | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | borrower #x first name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | borrower first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current audit value is not applicable. | Initial |
| xx | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in Foreclosure? is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active? is Not Applicable | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note doc date audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #x last name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value is not applicable. | Initial |
| xx | xx | xx | Original Stated P&I | $xxxx.xx | $xxxx.xx | $-xx.xx | -x.xxxxx% | original stated P&I is $x,xxx.xx. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is Not Applicable | Initial |
| xx | xx | xx | Current Legal Status | Performing | Collections, < xx Days |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Deferred Balance Amount | Not Applicable |  |  |  | Deferred Balance Amount is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| xx | xx | xx | Total Balance of Junior Lien(s) | Not Applicable |  |  |  | Total balance of Junior Lien is Not Applicable | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicbale | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x Middle Name is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | MI Coverage Amount | Not Applicable | xx.xxx% |  |  | MI Coverage Amount is Not Applicable | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | Purpose of Refinance per HUD-x is No Cash out | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is not applicable. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | Escrow account indicator is no. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of Refinance Per HUD-x is Change in Rate/ Term. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction per HUD-x is Refinance. | Initial |
| xx | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | $xxxx.xx |  |  | Total Balance of Junior Lien(s) is Not Applicable. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) |  |  | $-xxx.xx | -x.xxxxx% | Cash to BWR is $xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | N/A. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of refinance is Limited Cash out | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  |  | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% |  | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| xx | xx | xx | Current Legal Status | Collections | Collections, < xx Days |  |  | Current Legal Status is Collections | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of Refianiance per HUD-x is Lmited casg iut | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of loan xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value N.A | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA.NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Total Balance of Junior Lien(s) | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | MI Coverage Amount | Unavailable | xx.xxx% |  |  | NA | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | As per loan documents. | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x First Name is xx. | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) |  |  | $-xxxxx.xx | -xx.xxxxx% | Cash To Borrower (HUD-x Line xxx) is $xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is N/A. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxx (Days) |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% |  | Initial |
| xx | xx | xx | Current Value |  |  | $-xxxxx.xx | -x.xxxxx% |  | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x first name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current audit value is unavailable. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | Purpose of refinance audit value change in rate/term. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Doc Date of Last Mod is xx/xx/xxxx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | Stated Maturity Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the current value is $xx, but the audit value is NA. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | Tape shows the purpose of refinance per HUD-x is lower rate or term, but the audit value is change in rate/term. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | NA | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Current Value |  |  |  | xx.xxxxx% | Current Value is $xx. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | The tape shows $xx, but the audit value shows NA. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the Current Value $xx, but the audit value shows Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | Tape shows the Purpose of Refinance per HUD-x Cash Out - other, but the audit value shows NoCash-Out. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Tape shows the Purpose of Transaction per HUD-x Cash Out, but the audit value shows Refinance. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Subject Property Type | Manufactured Housing | Single Family |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value |  |  | $-xxxx.xx | -x.xxxxx% | As per the document, the current value is $xx, but the tape shows $xx. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) |  |  | $-xxxxx.xx | -xx.xxxxx% | Cash To Borrower (HUD-x Line xxx) is $xx. | Initial |
| xx | xx | xx | Current Occupancy | Unavailable | Owner (or Former): Primary Home |  |  | Current Occupancy is Unavailable. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Occupancy | Owner (or Former): Primary Home | Rented out by Investor (Post-FC) |  |  | As per the document, the current occupancy is owner or former: primary home, but the tape shows rented out by investor. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | As per the document, the current value is $xx, but the tape shows $xx. | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | As per the document, the escrow account indicator is no, but the tape shows yes. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxx (Days) |  | As per the document, the stated maturity date is xx/xx/xxxx, but the tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Current Value |  |  | $-xxxxxx.xx | -xx.xxxxx% | Current Value is xx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | Purpose of refinance per Hud-x is No Cash-out. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | NA. | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) | $xxx.xx | $xxxx.xx | $-xxxx.xx | -xx.xxxxx% | Tape shows the cash to the borrower (HUD-x Line xxx) data provided is $xx, and the audit value is $xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  |  | Initial |
| xx | xx | xx | Modification Original P&I | $xxx.xx | $xxx.xx | $xxx.xx | xx.xxxxx% |  | Initial |
| xx | xx | xx | Modification Original Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% |  | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | Tape shows the stated Maturity date data provided is xx/xx/xxxx, and the audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx |  |  | xx | Initial |
| xx | xx | xx | Current Value |  |  | $-xxxxxx.xx | -xx.xxxxx% | Current Value is $xx. Tape shows $xx. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value N.A | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | purpose of refinance per HUD change in rate/term | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | Purpose of refinance Per HUD-x is change in rate term. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | Purpose of refinance per HUD-x is Limited Cash Out (GSE definition). | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction per HUD-x is refinance. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of loan is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Lower rate or term |  |  | Purpose of Refinanace per HUD-x is Limited cash out | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows Current value is $xx but audit value is given as NA. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | Tape shows Purpose of Refinance per HUD-x as Lower rate or term but audit value is updated as No Cash-Out. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of loan is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Valur is Not Applicable | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Doc Date of LastModification is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | Stated Maturity Date is Not Applicbale | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows N/A. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | Purpose of Refinance is Change in Rate/term. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Tape shows xx but audit value shows xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx but audit value shows N/A. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxx.xxx% | -xxx.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and Audit value N/A. | Initial |
| xx | xx | xx | MI Coverage Amount | Not Applicable | xx.xxx% |  |  | MI Coverage Amount is Not Applicable | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Lower rate or term |  |  | Tape shows Lower rate or term and Audit value Change in rate/term. | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) | $xxxx.xx |  | $-xxxxx.xx | -xx.xxxxx% | Tape show $xx and Audit value $xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape show $xx and Audit value N/A. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | xx (Days) |  | Tape show xx/xx/xxxx and Audit value xx/xx/xxxx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is $xx. Tape shows $xx. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Occupancy | Former primary now investment | Rented out by Investor (Post-FC) |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is N/A. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not applicable. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | Purpose of Refinance per HUD-x is No Cash-out. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows the current value is $xx, but the audit value is NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | Tape shows the purpose of refinance per HUD-x is cash out - other, but the audit value is change in rate/term. | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Tape shows the purpose of transaction per HUD-x is cash out, but the audit value is refinance. | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) |  |  | $xx.xx | x.xxxxx% | Tape shows $xx and audit value shows Unavailable. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | MI Coverage Amount | Unavailable | xx.xxx% |  |  | MI Coverage Amount is UnVAIBLE | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of Refinance Per HUD-x is Limited Cah Out | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | xx (Days) |  | Appraisal report reflects as appraisal date xx/xx/xxxx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Note document reflect asxx | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) | $xxxx.xx |  | $-xxxxx.xx | -xx.xxxxx% | Updated as per final CD. | Initial |
| xx | xx | xx | Current Occupancy | Occupied by Unknown Party | Owner (or Former): Primary Home |  |  | U/A | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | U/A | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Occupancy | Owner (or Former): Primary Home | Rented out by Investor (Post-FC) |  |  | Current occupancy is not applicable. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value is not applicable. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | x (Days) |  | Appraisal date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Original Appraised Value | xx | xx | $-xxxxxx.xx | -x.xxxxx% | Appraised value is $xx. | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% |  | Initial |
| xx | xx | xx | Current Occupancy | Owner (or Former): Primary Home | Rented out by Investor (Post-FC) |  |  | Current occupancy is owner or formery primary home. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | Purpose of refinance per HUD-x is change in rate/term. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is N/A. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Loan Documentation Type | Full Documentation | Streamline Refinance |  |  | Loan Documentation Type is Full Documentation. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Lower rate or term |  |  | Purpose of Refinance per HUD-x is Limited Cash Out (GSE definit | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) | $x.xx | $xx.xx | $-xx.xx | -xxx.xxxxx% | $x.xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Loan Documentation Type | Full Documentation | Streamline Refinance |  |  | As per loan documents. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | As per loan documents. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | Purpose of refinance per HUD-x is change in rate term. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% |  | Initial |
| xx | xx | xx | Current Legal Status | Collections | Collections, < xx Days |  |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | As per the loan documents. | Initial |
| xx | xx | xx | Total Balance of Junior Lien(s) | Not Applicable |  |  |  | NA | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -x (Days) |  | Tape shows doc date of last modification is xx/xx/xxxx. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxx (Days) |  |  | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) |  |  | $-xxxxx.xx | -xx.xxxxx% | Tape shows $xx but audit value shows $xx. | Initial |
| xx | xx | xx | Current Value |  |  | $-xxxxxx.xx | -xx.xxxxx% | Tape shows $xx but audit value shows N/A. | Initial |
| xx | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | Tape shows Yes but audit value shows No. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows xx and Audit value is N/A. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows xx/xx/xxxx and Audit value is xx/xx/xxxx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | Tape shows Lower rate or term and Audit value is Change in rate/term. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current audit value is unavailable. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | No Cash-Out | Lower rate or term |  |  | Purpose refinance is no cash-out. | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Tape shows Bankruptcy is No. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Tape shows currently in foreclosure is No. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Tape shows xx/xx/xxxx but audit value shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  |  | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| xx | xx | xx | Current Legal Status | Performing | Collections, < xx Days |  |  | Performing. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Supporting documents are missing. | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | N/A. | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | N/A. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | Purpose of refinance is change in rate in term. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x Middle Name is Not Applicable | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | Purpose of Refinance Per HUD-x is Limited Cash Out | Initial |
| xx | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction per HUD-x is Refinance | Initial |
| xx | xx | xx | Total Balance of Junior Lien(s) | Not Applicable |  |  |  | Total Balance of Junior Lien is Not Applicable | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | NA. | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Lower rate or term |  |  | NA. | Initial |
| xx | xx | xx | Current Occupancy | Owner (or Former): Second Home | Rented out by Investor (Post-FC) |  |  | NA. | Initial |
| xx | xx | xx | Current Value |  |  | $-xxxxxx.xx | -xx.xxxxx% | As per loan documents. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxx.xxx% | -xxx.xxxxx% | xx | Initial |
| xx | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is Not Applicable | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Occupancy | Owner (or Former): Primary Home | Rented out by Investor (Post-FC) |  |  | Current Occupancy is Not AppliCABLE | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in foreclosure is Not Applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Loan Documentation Type | Full Documentation | No Verification of Stated Income or Assets |  |  |  | Initial |
| xx | xx | xx | Modification Amount Capitalized | Unavailable |  |  |  | Modification Amount capitalized is Not Applicable | Initial |
| xx | xx | xx | Total Balance of Junior Lien(s) |  |  |  | xxx.xxxxx% | Total Balance of Junir Lien is $xx | Initial |
| xx | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | As per loan document. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) | $x.xx |  | $-xxxxx.xx | -xxx.xxxxx% | As per loan document. | Initial |
| xx | xx | xx | Current Legal Status | Performing | Collections |  |  | Performing | Initial |
| xx | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Doc Date of Last Modification is not Applicble | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | Escrow Account Indicator is No | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Loan Documentation Type | Full Documentation | No Verification of Stated Income or Assets |  |  | Loan Documentation Type is Full Documentation | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | xx/xx/xxxx | Initial |
| xx | xx | xx | Escrow Account Indicator | Unavailable | Yes |  |  | Escrow Account Indicator is Unavailable. | Initial |
| xx | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  | Loan Documentation Type is Unavailable. | Initial |
| xx | xx | xx | Mortgage Type | FHA | Conventional |  |  | Mortgage Type is FHA. | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| xx | xx | xx | Subject Property Type | Single Family | Manufactured Housing |  |  |  | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) |  |  | $-xxxxx.xx | -xx.xxxxx% | Cash to borrower is $xx. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Property City | xx | xx |  |  | Property City is xx. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxx.xxx% | -xxx.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Original Appraisal Date | xx | xx | xxx (Days) |  | Original appraisal date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -xxxx.xxx% | -xxxx.xxxxx% | xx | Initial |
| xx | xx | xx | Lien Priority Type | First | Other |  |  | Lien Priority type is Fist | Initial |
| xx | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| xx | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of refinance per HUD-x is Limited Cash Out (GSE definition). | Initial |
| xx | xx | xx | Age of Loan | xx | xx | x | x.xxxxx% | Age of Loan is xx. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x Middle Name is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Cash To Borrower (HUD-1 Line 303) |  |  | $xxxx.xx | x.xxxxx% | Cash To Borrower (HUD-x Line xxx) is $xx,xxx.xx. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Type | Mixed Use | Manufactured Housing |  |  |  | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| xx | xx | xx | Current Occupancy | Former primary now investment | Rented out by Investor (Post-FC) |  |  | current occupancy N.A | Initial |
| xx | xx | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property Address Sreet is xx | Initial |
| xx | xx | xx | Borrower #2 First Name | xx | xx |  |  | Tape shows xx and audit value shows xx. | Initial |
| xx | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Tape shows xx and audit value shows Teran. | Initial |
| xx | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | Tape shows xx and audit value shows NA. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Tape shows xx and audit value shows NA. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Tape shows xx and audit value shows xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Tape shows $xx and audit value shows NA. | Initial |
| xx | xx | xx | Debt Service Coverage Ratio (DSCR) | xx | xx | x.xx | xx.xxxxx% | Tape shows x.xx and audit value shows x.xx. | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Tape shows xx PA and audit value shows xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is NA. | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. Tape shows xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -xx.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is $xx. Tape shows $xx. | Initial |
| xx | xx | xx | Escrow Account Indicator | No | Yes |  |  | Escrow Account Indicator is unavailable. Tape shows Yes. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx/xx/xxxx. Tape shows xx/xx/xxxx. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. tape shows x. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Is PMI Active? | Not Applicable | No |  |  | Is PMI Active? is Not Applicable. Tape shows No. | Initial |
| xx | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject Property Type is High Rise Condo (>=x Stories) | Initial |
| xx | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Tape data shows age of loan as xx, but audit value shows xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  |  | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | -x.xxx% | -x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | current value is not applicable | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is NOT Applicable | Initial |
| xx | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | First Payment Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | x.xxx% | x.xxxxx% | xx | Initial |
| xx | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx | xx | Initial |
| xx | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Satted Maturity Date is xx/xx/xxxx | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x Middle Name is Not Applicable. | Initial |
| xx | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is Not Applicable. | Initial |
| xx | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Value is Not Applicable. | Initial |
| xx | xx | xx | Interest Paid Through Date | xx/x/xxxx | x/x/xxxx | xxx (Days) |  | Interest Paid Through Date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Payment History String | x | C |  |  | Payment History String is Not Applicable. | Initial |
| xx | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per final documents note date is xx/xx/xxxx. | Initial |
| xx | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject property high rise condo. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of Loan is x. | Initial |
| xx | xx | xx | ARM Lifetime Cap Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | ARM Lifetime Cap Rate is x.xxx%. | Initial |
| xx | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x Middle Name is Not Applicable. | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current Vale is Not Applicable. | Initial |
| xx | xx | xx | Periodic Rate Change Cap Down | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Periodic Rate Change Cap Down is x.xxx%. | Initial |
| xx | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| xx | xx | xx | Current Value | Not Applicable |  |  |  | Current value is not applicable. | Initial |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Loan #2** | **Delinquent Tax** |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |
| xxx | xxx | xxx | xx |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Loan #2** | **Property State** | **Total HOA Lien Amount** |
| xxx | xxx | xxx | New Jersey | xxx |
| xxx | xxx | xxx | Florida | xxx |
| xxx | xxx | xxx | Florida | xxx |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Loan #2** | **Property State** | **Total Muni and Code Lien Amount** |
| xxx | xxx | xxx | Maryland | xxx |
| xxx | xxx | xxx | Illinois | xxx |
| xxx | xxx | xxx | Pennsylvania | xxx |
| xxx | xxx | xxx | Colorado | xxx |
| xxx | xxx | xxx | Florida | xxx |
| xxx | xxx | xxx | New Jersey | xxx |
| xxx | xxx | xxx | Pennsylvania | xxx |
| xxx | xxx | xxx | Massachusetts | xxx |
| xxx | xxx | xxx | New Jersey | xxx |
| xxx | xxx | xxx | Missouri | xxx |
| xxx | xxx | xxx | New Jersey | xxx |
| xxx | xxx | xxx | Massachusetts | xxx |
| xxx | xxx | xxx | Massachusetts | xxx |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
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| **Redacted ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Loan #4** | **Project Name** | **Pool** | **Borrower Last Name** | **Borrower First Name** | **Co-Borrower Last Name** | **Co-Borrower First Name** | **Address** | **City** | **State** | **Zip** | **Mailing Address** | **Mailing City** | **Mailing State** | **Mailing Zip** | **Original Lender** | **Loan Modified** | **Property Owner Same As Borrower** | **Chain of Assignment Complete** | **Current Lien Position** | **Judgment** | **Delinquent Tax** | **Total Tax** | **Last Payment** | **Foreclosure Case** | **Contested** | **Foreclosure Delay** | **Bankruptcy Chapter** | **Bankruptcy Case #** | **BK Cramdown** | **BK Reaffirmation** | **Original Loan Amount** | **I/O Interest Payment** | **Payment Amount per Note** | **Original Rate** | **Original Term** | **Amortized Term** | **Settlement Date** | **Disbursement Date** | **Cash Out Amount** | **Loan Type** | **Amortization Type** | **I/O Period** | **Loan Purpose** | **Original LTV** | **Original CLTV** | **XX Doc Type** | **Mortgage Insurance Cert in File** | **MI Company** | **MI Cert #** | **MI Coverage Percentage** | **Borrower Monthly Income** | **Co-Borrower Monthly Income** | **Contract Sales Price** | **Property Type** | **Original Appraisal Date** | **Appraised Value** | **Occupancy (stated on 1003)** | **Flood Cert in File?** | **Life of Loan Flood Cert?** | **Property in a Flood Zone?** | **Borrower Original FICO** | **Co-Borrower Original FICO** | **DTI** | **Lien Position at Origination** | **Title Evidence** | **Senior Lien Amount** | **Junior Lien Amount** | **Date of Last MOD** | **Principal Balance Stated in MOD** | **Deferred Balance (Mod)** | **MOD Original Rate** | **MOD Original P&I** | **MOD First Payment Date** | **Reason for MOD** | **Title** | **Payment** | **Servicing** | **Mod Comments** | **Missing Documents** | **Tape Discrepancies** | **Guideline Grade (Non-XX)** | **Grade X Exceptions (Reject / Non-curable)** | **Grade X Exceptions (Conditions / Curable)** | **Grade X Exceptions (Warnings)** | **Grade 1 Exceptions (Notices / Informational)** | **Overall Risk Indicator** | **HOEPA** | **TILA** | **RESPA** | **State and Local Predatory** | **State Regs** | **Exceptions** | **TRID Tolerance** | **Additional Valuation #1** | **Additional Valuation #2** | **Unrepaired Property Damage** | **Property Damage Amount $** | **Mortgage Rental History** | **2nd Home/Subject Investment Property** | **Consumer Debt** | **Charge Offs** | **Collections** | **Liens** | **Judgments** | **Bankruptcy (Pre-Origination)** | **Bankruptcy Chapter** | **Bankruptcy Discharge Date** | **Mos Credit Reestablished** | **Mortgage Rental History** | **2nd Home/Subject Investment Property** | **Consumer Debt** | **Charge Offs** | **Collections** | **Liens** | **Judgments** | **Total Payments Revolving Debt** | **Total Payments Installment Debt** | **Borrower Updated FICO** | **Co-Borrower Updated FICO** |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7303.38 | 08/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2270.91 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | No | No | 675 | Not Applicable | 36.324% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,948.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,270.91 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $381,299.73. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $381,299.73.<br> As per the tape data, the subject occupancy is stated as secondary.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 5.83 years on the job as a national housing counselor with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* xxtape and Infinity compliance report show the subject loan failed the QM safe harbor APR threshold test. Further details not provided." | \* xxis "xxfailed QM safe harbor threshold test due to APR calculated of X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. Subject loan is escrowed."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "XX TRID tolerance test is incomplete due to initial CD is missing from loan documents. The subject is a purchase case originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxfailed xxpublic guidelines) xxtest due to APR calculated of X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. Subject loan is escrowed.<br>Loan failed xxtest due to APR calculated of X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. Subject loan is escrowed."<br> \* xxinitial CD is missing from the loan file." |  | Elevated | Not Covered | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11283.73 | 06/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3285.98 | 4.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 777 | Not Applicable | 50.401% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is one civil judgment against the borrower xx, a Florida corporation d/b/a xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The water charges for XXXX are delinquent in the amount of $XXX.XX, which was good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,574.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,285.98 with an interest rate of 4.990%. The current UPB reflected as per the payment history is $596,662.01. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $596,662.01.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 28.41 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows miscalculation of liabilities. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE for XX.XX years at xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. Review shows ATR confirmed."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9105.11 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2694.05 | 4.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 723 | 740 | 30.765% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX at Book xx, Page xx in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,520.55 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,694.05 with an interest rate of 4.625%. The current UPB reflected as per payment history is $509,996.47. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $509,996.47.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1 year on the job as a nail tech with xx. Previously, BWR1 had 3.08 years in the same line of work.<br> BWR 2 has 8 months on the job as an associate process engineer with xx. Previously, BWR2 had 1.83 years in the same line of work.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows debt miscalculation. xxis XX.XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X year on the job as a nail tech with xx, BWRX has X months on the job as an associate process engineer with xx, FICO XXX, XXXX since inception, $XXXK equity in the subject, and $X,XXX residual income." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3902.54 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1049.14 | 5.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 795 | Not Applicable | 37.487% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,049.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,049.14 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $177,587.37. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $177,587.37.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the occupancy is stated as secondary.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 19.08 years on the job as a reliability supervisor at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Occupancy concerns - (xxsubject was approved as a second home. Tape shows occupancy misrepresentation. Further details not provided." | \* xxfailed the reimbursement amount and Consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired." |  | Moderate | Not Covered | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7052.65 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1609.03 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 745 | Not Applicable | 44.491% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active UCC financing statement against the subject property in favor of "xx, DBA: xx, a Delaware corporation," which was recorded on xx/xx/XXXX in the amount of $X.XX.<br> There is an active prior credit card judgment against the borrower xx," which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,446.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,609.03 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $341,358.77. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $341,358.77.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 1.25 years on the job as a police officer at the xx, BWR had 6 years on the job as a police officer at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows misrepresentation of employment. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a police officer at the xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5378.67 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1120.21 | 2.500% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | Yes | 653 | Not Applicable | 21.668% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,660.45 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,120.21 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $124,887.32. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $124,887.32.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> BWR has 1.41 years on the job as a global business director with xx. BWR had prior employment experience with xx.66 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Assets do not meet guidelines (xxsubject loan was approved at XX.XX%. The tape shows assets could not be verified. Bank statements in the file show $XXXK in assets, which does satisfy the cash-to-close requirement of $XX,XXX.XX. Further details are not provided. Subject originated X/XX/XX. XXXX over the last XX months." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed TILA finance charge test. The finance charge disclosed on the final CD as $XX,XXX.XX. The calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL of X year has expired."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the appraisal fee at $XXX.XX. xxdated xx/xx/XXXX reflects appraisal fee at $XXX.XX. This is an increase in fee of $XX.XX for charges that cannot increase. A valid COC for the increase in fee amount is missing in the loan documents. <br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL is X year expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7170.99 | 06/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $962.63 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 759 | Not Applicable | 28.582% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx fka xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,959.98 (xx), which was applied for the due date of xx/xx/2025. The current xxis $962.63 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $211,688.67. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $211,688.67.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br>BWR has 3.83 years on the job as a managing clinical director with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows employment misrepresentation. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a managing clinical director with xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect points - loan discount fee. xxdated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5701.56 | 08/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1285.98 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 793 | Not Applicable | 45.337% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, xxis a UCC lien against the subject property in favor of xx, DBA: xx, a xx, which was recorded on xx/xx/XXXX. There are two credit card judgments against the borrower xx xx, N.A., and xx., which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $XX,XXX.XX. The annual installments of combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,009.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,285.98 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $274,043.74. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $274,043.74.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 9.41 years on the job as a senior quality engineer at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxtape and review of the file show the seller fees exceeded the closing costs. Further details not provided. The final CD reflects the seller credit in the amount of $xx and closing costs in the amount of $X,XXX.XX." | \* Cash out purchase (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. The final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is a decrease of -$XXX.XX for a fee which has a X% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx.XX%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $16781.90 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2311.44 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 772 | Not Applicable | 44.655% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,571.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,311.44 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $497,707.80. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $497,707.80.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 1 year on the job as a clinical staff nurse at xx. BWR had multiple jobs in the last 2 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows undisclosed debt not included in xxdetails not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X year on the job as a clinical staff nurse at xx, FICO XXX, and $XXXK equity in the subject."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx.XX%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7577.96 | 08/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1372.52 | 4.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 716 | 709 | 41.003% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are XX UCC liens found against the subject property in favor of xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $2,185.12 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,372.52 with an interest rate of 4.000%. The current UPB is $264,361.05. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $264,361.05.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is owner-occupied.<br> BWR1 has 3 weeks on the job as a supervisor with xx. BWR 1 has 10.41 years prior employment experience as a freight with xx.<br> BWR2 has 6 months on the job as a host with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject approved at XX.XXX%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X weeks on the job as a supervisor with xx. BWR X has XX.XX years prior employment experience as a freight with xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other | xx | $0.00 | $6459.30 | 08/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1241.64 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 761 | Not Applicable | 36.271% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are X active HOA liens against the subject property in favor of xx., xx., and xx., a Texas non-profit, which were recorded on different dates in the total amount of $XX,XXX.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of city taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $2,128.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,241.64 with an interest rate of 3.250%. The current UPB is $264,457.93.<br> As per the collection comment dated xx/xx/2025, the payments made in Jan 2025 are borrower payments. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $264,457.93.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the occupancy of the subject property is stated as a second home.<br> BWR has 1 month on the job as a pharmacist with xx.<br> Previously, BWR had 3.33 years on the job as a staff pharmacist with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (xxshows insufficient assets. Bank statement in the file shows $XXK satisfies the cash-to-close requirement of $XXxxdetails not provided. Subject originated X/XX/XX." |  |  | Minimal | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9702.22 | 08/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2957.26 | 3.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 709 | Not Applicable | 41.786% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active junior mortgage against the subject property in favor of xxamount of $xx which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with the instrument #xx.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,761.86 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,957.26 with an interest rate of 3.999%. The current UPB reflected as per the payment history is $580,929.97. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $580,929.97.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 5.5 years on the job as a director of engineering with xx.—xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows assets were insufficient. Bank statements in the file show $XXK and gift assets of $XXK satisfy the cash-to-close requirement of $Xxxoriginated X/XX/XX. XXXX last XX months." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows debt miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.X years on the job as a director of engineering with xx. xx, FICO XXX, XXXX last XX months, $XXXK equity in the subject."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed TILA finance charge test. The finance charge disclosed on the final CD as $XXX,XXX.XX. The calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. The reason for the finance charge under disclosure is unknown as the fee itemization is missing.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL of X year has expired."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL of X year has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10033.46 | 08/04/2025 | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1873.35 | 4.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 752 | 713 | 49.776% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,846.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,873.35 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $336,146.31. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $336,146.31.<br> Unable to determine the reason for default.<br> As per the servicing comment dated xx/xx/2025, the foreclosure was initiated in 2025 with the loan, and the step complaint was filed on xx/xx/2025. As per the servicing comment dated xx/xx/2025, the foreclosure case was closed due to reinstatement. Further details were not provided.<br> No post-close bankruptcy record has been found.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 5 months on the job as a table games pit supervisor at xx. BWR1 had multiple jobs in the last 2 years.<br> BWR2 has 7.66 years on the job as a teacher at the xx<br> Foreclosure Comments:As per the servicing comment dated xx/xx/2025, the foreclosure was initiated in 2025 with the loan, and the step complaint was filed on xx/xx/2025. As per the servicing comment dated xx/xx/2025, the foreclosure case was closed due to reinstatement. Further details were not provided.<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows miscalculation of liabilities. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X months on the job as a table games pit supervisor at xx. BWRX has X.XX years on the job as a teacher at the xx, FICO XXX, and $XXXK equity in the subject."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. Initial loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in the fee amount of +$xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is expired."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by xx Pg #xx, and its recommendation is xxwith a DTI of XX.XX%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $12401.68 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1021.45 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 790 | 790 | 30.008% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior mortgage against the subject property in favor of xx, a corporation, that was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,299.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,021.45 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $170,120.12. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $170,120.12.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 22.58 years on the job as a police officer with the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* xxshows points and fees compliance violation due to an increase in title fees at closing. Infinity compliance report shows the loan does not fail any points and fees test. Further details not provided." | \* xxinitial application is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8544.86 | 08/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1567.82 | 5.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 754 | Not Applicable | 45.112% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,389.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,567.82 with an interest rate of 5.000%. The current UPB reflected as per the payment history is $272,281.96. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $272,281.96.<br> As per the tape, the subject property is a second home.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1 month on the job as a senior software engineer at xx. Previously, BWR had 5.58 years on the job as a senior software engineer at xx.com Inc.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* xxmissing or unsigned (xxis missing from the loan documents."<br> \* Occupancy concerns - (xxapproved as xxreview of the loan file show occupancy misrepresentation, as the post-close AUS dated xx/xx/XXXX shows the subject property is a secondary home. Further details are not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5358.07 | 08/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1121.04 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 787 | 786 | 49.921% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,843.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,121.04 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $177,217.60. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $177,217.60.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is non-owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has been SE for 7.33 years at xx<br> BWR2 has been SE for 16.41 years at Realtor.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has been SE for X.XX years at xx, FICO XXX, XXXX in the last XX months, and has $XXK equity in the subject." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6614.87 | 08/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1833.15 | 4.250% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 733 | 695 | 31.975% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,410.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,833.15 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $206,501.76. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $206,501.76.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property occupancy is stated as second home.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has been SE for 3.5 years at xx<br> BWR2 has 3.5 years on the job as a senior director at xx. Additionally, BWR2 has been SE for 3.5 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (xxshows short asset reserves. Bank statements in files show $XXK in assets, and the cash-to-close requirement is $XXK. BWR was short $XXK funds to close and zero reserves. Further details not provided. Subject originated X/XX/XX. XXXX last XX months."<br> \* Occupancy concerns - (xxsubject was approved as a second home. Tape shows occupancy misrepresentation. Further details not provided." | \* xxis "xxloan fails the qualified mortgage lending policy points and fees test due to fees charged, $X,XXX.XX, exceeding the fees threshold of $X,XXX.XX by +$XXX.XX. The below fees were included in the test: xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to fees charged, $X,XXX.XX, exceeding the fees threshold of $X,XXX.XX by +$XXX.XX. The below fees were included in the test: xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX." |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8957.56 | 07/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1910.39 | 4.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 668 | Not Applicable | 38.895% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The water charges for XXXX are delinquent in the amount of $XX.XX on xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,064.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,910.39 and the interest rate is 4.875%. The current UPB reflected as per the payment history is $347,359.36. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $347,359.36.<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 11 months on the job as an associate with xx. BWR had prior employment experience as an analyst III at xx.83 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Occupancy concerns - (xxsubject was approved as an xx. Tape shows occupancy misrepresentation. Further details not provided." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9492.16 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1253.60 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 752 | 716 | 49.984% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The annual installment of water charges for XXXX was delinquent in the amount of $XXX.XX on xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,207.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,253.60 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $213,310.05. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $213,310.05.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has been xx.75 years and at xx.83 years.<br> BWR2 has 2 years on the job as a project manager at xx. Additionally, BWR2 has 2 years on the job as a project manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxexcluded a debt to be paid at closing that was not paid off. BWRs relocated from xxtape states cannot use SE income. Lender defect. xx.XX%. BWRs are both SE with xx. The subject loan originated xx/xx/XXXX and the X-year SOL is active, FICO XXX, $X,XXX residual income, $XXX.XK in reserves (xx), X x XX since inception and $XXXK equity in the subject." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second | xx | $0.00 | $5528.36 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1767.03 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 731 | 744 | 42.709% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active HOA lien against the subject property in favor of xx, a Florida not-for-profit, in the amount of $X,XXX.XX, which was recorded on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,290.58 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,767.03 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $279,114.65. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $279,114.65.<br> According to the comment dated xx/xx/2023, there is an issue of payment dispute. Further details not provided.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has been SE for 12.83 years at xx<br> BWR2 receives pension income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows the subject condo is a non-warrantable project. Appraisal report shows the subject is a new construction, and XXXXD shows construction is completed. Condo questionnaire is missing from the loan file. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* xxfailed the TILA finance charge test. Finance charge disclosed on the final CD is $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5528.36 | 08/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $923.58 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 730 | 791 | 27.982% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,600.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $923.58 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $133,253.23.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $133,253.23.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner occupied.<br>BWR1 receives pension income.<br> BWR2 receives pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* xxinitial closing disclosure is missing from the loan documents."<br> \* xxtape shows the subject condo project is non-warrantable. The supplemental addendum in the appraisal report shows the subject is a condo located in an established gated condo golf course project called xx, developed by xx, and the subject is the first condo building to be completed, and the rest of the project is still developing. The condo questionnaire is missing from the loan document. Further details not provided." | \* xxloan failed the TILA finance charge test. The finance charge disclosed on the final CD is $XXX,XXX.XX. The calculated finance charge is $xx for an underdisclosed amount of -$XXX.XX. The reason for the finance charge under disclosure is unknown, as the fee itemization is available in the loan file. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete due to the initial CD is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $6726.49 | 08/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1547.77 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 769 | Not Applicable | 31.508% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual water/sewer charges for XXXX have been delinquent in the total amount of $XX.XX, which was due on xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,724.56 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,547.77 with an interest rate of 7.99%. The current UPB reflected as per the payment history is $207,620.35. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $207,620.35.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE as a horse jockey for 7.5 years.<br> Additionally, BWR has been SE for 2.5 years at 4 xx.5 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxis "xxloan failed the qualified mortgage safe harbor threshold test due to the APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed."<br> \* Occupancy concerns - (xxsubject was approved as a second home. Tape shows occupancy misrepresentation. Further details not provided." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Elevated | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $16185.25 | 06/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2653.39 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | No | No | 748 | 792 | 49.593% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX.<br> The annual utilities/MUD taxes for XXXX are paid in the total amount of $X,XXX.X on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,751.34 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,653.39 with an interest rate of 5.625%. The current UPB reflected as per the payment history is $451,164.77. | Collections Comments:<br> According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $451,164.77.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape, the subject property is owner-occupied.<br>BWR1 has 6.33 years on the job as a manager with xx.<br> BWR2 has been SE for 10.16 years at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows employment misrepresentation and income miscalculation. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a manager with xx. BWRX has been SE for XX.XX years at xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9023.40 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2672.08 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 794 | Not Applicable | 45.883% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,932.95 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,672.08 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $570,382.30. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $570,382.30.<br> As per the tape, the subject property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE as a financial advisor for 6 years. Additionally, BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxis a condotel unit in xx, located in the city of xxproject has amenities such as a community pool, spas, offering short term rentals on their site. Zillow search shows an estimated value of $X.XM. Current UPB is $XXXK." |  | \* Settlement date is different from note date (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "The final CD reflects the closing date as 2/XX/2021. The notary's signature date on the mortgage/deed of trust is 2/XX/2021. The Note date is 2/XX/2021." |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $780.20 | 3.125% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | 695 | 759 | 48.226% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The taxes are to follow. | As per the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,005.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $780.20 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $90,347.20. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> As per the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $90,347.20.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 5.83 years on the job as a sales associate at xx. BWR2 and BWR3 receive social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxtape shows the subject project is undergoing critical repairs and structural integrity. The project is undergoing repairs on various components of the buildings, including all sealant joint replacements, concrete repairs, brick masonry repairs, parapet rebuilds, shelf angle flashing, balcony repairs, and waterproofing. The estimated cost to complete the work is $X.Xxxengineer's certificate of completion are missing from the loan documents." |  | \* xxloan failed the Pennsylvania license validation test."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $xx and total expenses are in the amount of $xx and the loan was underwritten by xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $7009.39 | 09/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2652.71 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Secondary | Yes | Yes | Yes | 809 | 811 | 36.253% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of personal taxes for XXXX is due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,402.45 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,652.71 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $541,440.81. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $541,440.81.<br> As per tape data, the occupancy of the subject property is stated as a second home.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found. <br> No post-close bankruptcy record has been found.<br> BWR has been SE for 13.58 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxtape and file show the subject condo association is involved in an active litigation over pumps installed by the defendants that failed and caused flooding within the condominium complex, and there have been multiple failures of these circulating pumps. The association suffered damages of $XXXK and is demanding reimbursement for the expenditures made, attorney's fees, interest, and costs of court. XXXXD or a final inspection report by a licensed professional verifying the structural integrity of the condo project is missing from the loan documents. Further details not provided. Zillow search shows an estimated value of $X.XM. Current UPB $XXXK." |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan fails the late fees test due to fees charged, $XXX.XX, exceeding the fees threshold of $XXX.XX by +$XX.XX."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. xxdated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. This is an increase in fee of $XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Not Covered | Pass | Pass | Not Covered | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $1953.00 | 10/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $129.31 | 3.625% | 120 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Not Applicable | Not Applicable | No | Not Applicable | Not Applicable | 42.474% | Second | Unavailable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a Delaware limited liability company.<br> There is an active mortgage against the subject property, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx. <br> The first installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $129.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $129.31 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $6,428.48. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $6,428.48.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 10 months on the job as a laborer at xx. BWR had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxoriginated as a second lien DPA loan. Tape shows income miscalculation. xxis XX%." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $2266.00 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1507.42 | 7.062% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 679 | Not Applicable | 48.345% | First | Short Form Policy | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,835.46 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,507.42 with an interest rate of 7.062%. The current UPB is $222,513.56. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $222,513.56.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the property is owner-occupied.<br> BWR has 8.5 years on the job as a kitchen manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows lender did not obtain the executed lease agreement supporting the rental income used to qualify. xxis XX%. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.X years on the job as a kitchen manager at xx, FICO XXX, and $XXK equity in the subject. XXXX since inception." |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $5885.44 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $653.90 | 9.125% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 675 | Not Applicable | 39.950% | Second | Final policy | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active prior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The Xst installment of county taxes and utilities/MUD charges for XXXX was paid in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd, Xrd, and Xth installments of county taxes and utilities/MUD charges for XXXX are due in the total amount of $X,XXX.XX on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $653.90 (xx), which was applied for the due date of xx/xx/2025. The current xxis $653.90 with an interest rate of 9.125%. The current UPB reflected as per the payment history is $62,625.98. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $62,625.98.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.16 years on the job as an adjuster with xx. Additionally, the BWR receives retirement income. Previously, BWR had 4.58 years on the job as an adjuster at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxsubject is a second lien. Tape shows the subject loan failed the state high-cost test, and PCCD was issued to cure the state high cost. Further details not provided. Reaching out to XX for further compliance analysis." |  | \* xxtest xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is a second lien. The first lien is escrowed.<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $11611.83 | 09/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1241.05 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 722 | Not Applicable | 40.902% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active HOA lien against the subject property in favor of xx., which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utilities/MUD charges for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,704.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,241.05 with an interest rate of 2.750%. The current UPB, reflected as per the payment history, is $272,129.04. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB, reflected as per the payment history, is $272,129.04.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.96 years on the job as an office manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Property type is inconsistent with the tape (xx) |  | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows additional mortgage debt was undisclosed. The revised DTI is XX.XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as an office manager with xx, FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and a residual income of $X,XXX." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12902.97 | 09/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2638.02 | 4.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 787 | Not Applicable | 49.820% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a UCC lien found against the subject property in favor of xx, which was recorded on xx/xx/XXXX with instrument # xx. <br> The Xst and Xnd installments of county taxes for XXXX-XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,813.51 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,638.02 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $531,021.07. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $531,021.07.<br> Unable to determine the RFD.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 4 years on the job as a special education school teacher at xx. Additionally, BWR had 8.41 years on the second job as an equipment operator at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxshows income calculation error brings DTI over allowable threshold. Lender defect. xxis XX.XX%. BWR is employed as a special education teacher for xx. The subject loan originated xx/xx/XXXX and the X-year SOL is active, FICO XXX, $XXXX in residual monthly income and $XXXK equity in the subject property."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X year SOL is active.<br>Loan failed TILA post-consummation revised closing disclosure finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X year SOL is active.<br>xx/xx/XXXX: xxhas expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3456.89 | 09/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1340.12 | 4.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 732 | 731 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,183.68 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,340.12 and the interest rate is 4.875%. The current UPB reflected as per the payment history is $251,977.92. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $251,977.92.<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR2 has 9 months on the job as a cardiovascular intensive care unit registered nurse with xx. Previously, BWR2 was a full-time student with the xx, xx, between xx/xx/2022 and xx/xx/2024 for 1.91 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxshows BWRX income was not calculated properly. Lender defect. xxis XX.XX%. BWRX is employed as a xx. The subject loan originated xx/xx/XXXX and the X-year SOL is active, FICO XXX, $XXXX in residual monthly income and $XXK equity in the subject property." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $48.94 | 08/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1690.19 | 5.875% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 763 | Not Applicable | 40.270% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active junior mortgage against the subject property, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, a xx<br> There are multiple active prior state tax warrants against the borrower xx, which were recorded on different dates in the total amount of $XX,XXX.XX. In addition, there are two active junior state tax warrants against the borrower xx on different dates in the total amount of $X,XXX.XX. xx. <br> There are multiple active prior state tax warrants against in favor of the xx, which were recorded on different dates in the total amount of $X,XXX.XX. The defendant name, xx, is inconsistent with the borrower xx"xx.<br> The Xst installment of county taxes for XXXX/XXXX has been paid in the amount of $XX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX/XXXX is due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,992.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,690.19 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $277,175.11. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx and the next due date is xx/xx/2025. The current UPB is $277,175.11.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7.25 years on the job as a network operator at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxvesting deed recorded on xx/xx/XXXX, shows the covenant and conditions regarding mediation, arbitration, and resolution. xxrider attached to the mortgage, and xxtitle commitment also shows a covenant and condition. Tape defect shows the recorded covenants, conditions, and restrictions (xxthis community contain provisions that are non-compliant with the xxmay be deemed legally unenforceable under federal housing regulations."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1094.14 | 08/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2391.95 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 713 | Not Applicable | 47.275% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,845.19 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,391.95 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $343,889.16. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $343,889.16.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 10 years on the job as a social worker at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows undisclosed liabilities. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX years on the job as a social worker at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active.<br>xx/xx/XXXX: xxhas expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7984.64 | 09/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2559.55 | 4.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 809 | Not Applicable | 49.412% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The first installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX/XXXX and XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,411.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,559.55 with an interest rate of 4.990%. The current UPB reflected as per the payment history is $472,675.64. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $472,675.64.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.66 years on the job as a lead solution architect at xx. Previously, BWR had 7.66 years on the job as a solution architect at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxshows property is NOO due to misrepresentation. Further details were not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a lead solution architect at xx, FICO XXX, and $XXK equity in the subject."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD is $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active.<br>xx/xx/XXXX: xxhas expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 08/27/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2212.24 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 746 | 752 | 57.346% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the tape, the subject mortgage was originated on xx/xx/XXXX in the amount of $xx in favor of xx. <br> No active judgments or liens have been found.<br> The subject property is restricted property. The tax information is not available. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,212.24 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,212.24 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $347,070.24. <br> As per the comment dated xx/xx/2025, the payments made in the month of August 2025 are BWR payments. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $347,070.24.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 1.58 years on the job as an accountant with 3 xx. BWR had prior employment experience as a<br> cardiovascular representative at xx. for 1.58 years.<br> BWR2 has 1.5 years on the job as an accountant with xx. BWR2 had prior employment experience as an accountant with xx.5 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The revised CD dated xx/xx/XXXX reflects a point loan discount fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects point-loan discount fee at $X,XXX.XX. This is an increase in fee of $XXXX.XX for charges that cannot increase. COC for the increase in fee is missing from the loan documents. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX; the SOL of X year is active."<br> \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX <br> xxpaid by Borrower: $XXX.XX <br> xxpaid by Borrower: $xx <br> xxpaid by Borrower: $XXX.XX <br>Loan fails xxpoints and fees test due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX. <br> The following fees were included in the test: <br> xxpaid by Borrower: $XXX.XX <br> xxpaid by Borrower: $XXX.XX <br> xxpaid by Borrower: $xx <br> xxpaid by Borrower: $XXX.XX"<br> \* Loan does not conform to program guidelines (xx). Note was papered out, and the loan is now too seasoned for purchase by the investor. Further details not provided." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX.<br>xx/xx/XXXX: xxhas expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $514.10 | 09/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $971.91 | 5.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 798 | 800 | 42.376% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,268.56 (xx), which was applied for the due date of xx/xx/2025. The current xxis $971.91 with an interest rate of 5.125%. The current UPB reflected as per the payment history is $178,079.97. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $178,079.97.<br> Unable to determine the reason for the default.<br> As per the tape data, the occupancy of the subject property is stated as non-owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.08 years on the job as a senior audit manager with xx. Previously, BWR1 had 9.75 years on the job as a contract auditor with xx.<br> BWR2 has 1.25 years on the job as a vice president of product management with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (xxshows gift funds used on an investment property. Review of loan file does not show any gift funds. Available balance on bank statements are $X,XXXxxclose is $XXxxdetails not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1661.89 | 09/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1709.51 | 4.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | No | No | 677 | 646 | 49.831% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active UCC lien against the subject property in favor of xxdba XXXX, which was recorded on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,332.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,709.51 with an interest rate of 4.625%. The current UPB reflected as per the payment history is $330,778.08. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $330,778.08.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 8 months on the job as a school nurse with xx. <br> Previously, BWR had 2.75 years on the job as a registered nurse with xx.<br> BWR2 has 2.33 years on the job as a test specialist engineer with xx.<br> BWR3 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan fails the compliance delivery and timing test for xx. The document tracker is missing, and X business days were added to get the receipt date of xx/xx/XXXX, which is after the consummation date of xx/xx/XXXX."<br> \* xxloan failed the TRID disclosure delivery date validation test. A closing disclosure delivery date is after the consummation date." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxshows the underwriter missed additional debt causing the DTI to be greater than XX%. Lender defect. xxis XX.XX%. Bwr is employed as a xx. BWRX is employed as an Engineer at xx. BWRX is retired. The subject loan originated xx/xx/XXXX and the X-year SOL is active, FICO XXX, $XXXX in residual monthly income, XXXX since inception and $XXXK equity in the subject property." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 09/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1083.11 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 676 | Not Applicable | 24.578% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been exempt on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,598.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,083.11 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $181,916.94.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $181,916.94.<br> The reason for default is unable to be determined.<br> As per tape data, the occupancy of the subject property is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 5.16 years on the job as a software engineer with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (xxshows the insufficient assets, as the large deposits cannot be sourced. Review shows BWR liquidated CD for down payment of $xx and had $xx in bank and investment accounts that exceeded the funds to close of $xx Review shows ATR confirmed. XXXX since inception on X/XX/XX." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3033.97 | 08/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1618.20 | 5.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 711 | 716 | 48.938% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx. <br> No active judgments or liens have been found. <br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,299.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,618.20 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $284,374.67. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $284,374.67.<br> As per the tape, the occupancy of the subject property is second home. <br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found. <br> BWR1 & BWR2 have been SE for 30.5 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxshows unable to validate the income. Lender defect. Unable to determine xxare self-employed xxyears. xxis also an adjunct professor at xxyear and X months. The subject loan originated xx/xx/XXXX and the X-year SOL is active, FICO XXX, $XXK equity in the subject property and $XXXK in assets after closing." | \* Loan program disclosure missing or unexecuted (xxprogram disclosure is missing from the loan document."<br> \* Missing or error on the xxlock agreement is missing from the loan file." |  |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 09/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1331.85 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 798 | 783 | 46.252% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been exempt.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,755.51 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,331.85 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $206,693.91. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $206,693.91.<br> As per the tape data, the subject property is non-owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.16 years on the job as a sales manager with xx. Previously, BWR1 had 1.91 years on the job as a retail sales manager with xx.<br> BWR2 has 6 months on the job as a travel manager with xx. Previously, BWR2 had 9.41 years on the job as an assistant account manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows missing condo project approval, and the loan is now seasoned for more than X months. Review of loan file shows there is a letter which states the condo project was approved. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 09/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4926.43 | 5.625% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 804 | 777 | 28.125% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior UCC judgment against the subject property in favor of the xx, which was recorded on xx/xx/XXXX with instrument # xx.<br> Tax status is to follow.<br> . | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,926.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,926.43 with an interest rate of 5.625%. The current UPB is $851,176.44. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $851,176.44.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 11.33 years on the job as a sales head at xx. Additionally, BWR has been SE for 3.16 years at xx<br> BWR2 has 1.33 years on the job as a computer scrum lead at xx. Previously, BWR2 had 1.58 years on the job as an analyst at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show the subject loan closed as a X/X xxdiscrepancy was noted in the last revised CD, which incorrectly listed the loan type as a XX/X xxerror was corrected, and the final CD accurately reflects the loan type as a X/X xxdetails not provided."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $134.00 | 09/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1835.78 | 3.990% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 804 | Not Applicable | 49.528% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,182.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,835.78 with an interest rate of 3.990%. The current UPB reflected as per the payment history is $383,876.77. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $383,876.77.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.75 years on the job as a cardiovascular technician with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. The tape shows the lease agreement was fabricated. Further details not provided. BWR defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a cardiovascular technician with xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4278.98 | 09/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2701.66 | 5.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 768 | 670 | 49.724% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX-XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,079.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,701.66 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $488,688.81. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $488,688.81.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 2.5 years on the job as an engineer designer at xx.<br> BWR2 has 1.25 years on the job as an admission marketer at xx. Previously, BWR2 had 5 years on the job as a certified nursing assistant at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the lender did not obtain documentation for rental income. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.X years on the job as an engineer designer at xx. BWRX has X.XX years on the job as an admission marketer at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. Review shows ATR confirmed." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $119.50 | 09/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $477.42 | 4.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 728 | Not Applicable | 49.952% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $850.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $477.42 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $99,566.29. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $99,566.29.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3 months on the job as a substitute teacher at xx. Additionally, the BWR has 1.08 years on the job as a special education paraprofessional at xx. Previously, BWR was a full-time student at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxused income that wasn't supported. xxis in excess of XXX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx.X months as a xx, FICO XXX, XXXX since inception and $XXXK equity in the subject property." | \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Reason for finance charge under disclosure is unknown as the fee itemization is missing.<br> The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* xxclosing disclosure is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $3723.24 | 09/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2210.00 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 770 | Not Applicable | 26.546% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installments of combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,715.98 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,210.00 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $303,301.48. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $303,301.48.<br> As per the tape, the subject property occupancy is stated as occupied by unknown.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 5.08 years on the job as a director of operations with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* xxmissing; loan has escrows (xxescrow account disclosure is missing from the loan document."<br> \* Loan does not conform to program guidelines (xxtape shows several non-legal documents were not signed at closing, and the borrower xx. Further details are not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 09/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1660.94 | 5.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 796 | Not Applicable | 48.887% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been exempted.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,069.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,660.94 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $299,043.78. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $299,043.78.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4 years on the job as an inventory specialist with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxappraisal report in the loan file is subject to completion of repairs. The improvement section shows the final grade of sod and seed is not finished yet. The estimated cost to cure is in the amount of $X,XXX.XX. xxreflects subject property repairs are still not completed. The updated XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxexcluded HOA dues. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx, FICO XXX, $X,XXX residual income, $XK in reserves, XXXX since inception and $XX.XK equity in the subject property." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1862.40 | 09/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1940.38 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 757 | 702 | 47.801% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,515.92 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,940.38 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $331,453.55. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $331,453.55.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> BWR1 has 1.75 years on the job as a physical therapist at xx. Additionally, BWR1 has 1.83 years on the second job as a physical therapist at xx.<br> BWR2 has 9 months on the job as a community association manager at xx. BWR2 had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxreport show the loan failed the waiting period required test due to changes before consummation, requiring a new waiting period. APR becomes inaccurate."<br> \* xxis "xxloan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. <br>Loan failed TILA post-consummation revised closing disclosure finance charge test due to finance charge disclosed on CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of $XX,XXX.XX.<br>Loan failed TILA post-consummation revised closing disclosure APR test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by - X.XXX%.<br>Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows miscalculation of student debt. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a physical therapist at xx. BWRX has X months on the job as a community association manager at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. Review shows ATR confirmed." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3022.74 | 08/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2449.76 | 3.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 699 | 766 | 47.287% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,389.09 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,449.76 with an interest rate of 3.990%. The current UPB reflected as per the payment history is $513,008.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $513,008.00.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 8.91 years on the job as a safety manager with xx.<br> BWR2 has 8.33 years on the job as a registered nurse with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxappraisal report in the loan is subject to completion of installation of landscaping. The estimated cost to cure is $X,XXX. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$XXX.XX. The subject loan is a purchase originated on xx/xx/XXXX, and the X year SOL is active."<br> \* Loan does not conform to program guidelines (xxtape shows the loan has seasoned. Further details not provided."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $XX,XXX.XX." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 08/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1781.24 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 676 | 720 | 40.670% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX is exempt.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,472.99 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,781.24 with an interest rate of 5.990%. The current UPB reflected as per the payment history is $296,768.36. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $296,768.36.<br> As per the seller's tape data, the subject property is stated as a non-owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.41 years on the job as a director with xx.<br> BWR2 has 4.5 years on the job as a title 1 teacher with the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows rental income used to qualify could not be verified. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a director with xx.X years on the job as a title X teacher with the xx, FICO XXX, and $XXK equity in the subject." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $341.26 | $337.71 | 09/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2594.33 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 817 | 778 | 49.500% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of xxcharges for XXXX has been paid in the total overpayment amount of $X.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been delinquent in the total amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,861.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,594.33 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $398,951.02. | Collections Comments: According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $398,951.02.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 receives pension and foster care income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxdid not establish continuance of xxincome. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR receives Pension income, FICO XXX, $X,XXX residual income, $XK in reserves, XXXX since inception and $XXXK equity in the subject property." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3122.51 | 09/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2545.79 | 4.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 782 | 747 | 49.032% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual first and second installments of combined taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,519.34 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,545.79 with an interest rate of 4.25%. The current UPB reflected as per the payment history is $514,632.90. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $514,632.90.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 3 years on the job as a manager at xx. Additionally, BWR1 has been SE for 10 months at xx<br> BWR2 has been SE for 3 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxmiscalculated SE income. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx, BWR X is SE with xx, FICO XXX, $X,XXX residual income, XXXX since inception and $XX.XK equity in the subject property." |  |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 08/27/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1320.10 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 783 | 797 | 27.851% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been exempt.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,767.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,320.10 with an interest rate of 5.625%. The current UPB reflected as per the payment history is $227,326.22. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $227,326.22.<br> As per the tape data, the occupancy of the subject property is stated as non-owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 21.5 years on the job as a dentist at xx.<br> BWR2 has 10 years on the job as a mechanical manager at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows missing condo project approval, and the loan is now seasoned for more than X months. Review of loan file shows there is a letter which states the condo project was approved. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 09/23/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1280.93 | 5.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 796 | 788 | 26.809% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been exempt.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,738.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,280.93 with an interest rate of 5.375%. The current UPB reflected as per the payment history is $226,134.51. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx and the next due date is xx/xx/2025. The current UPB is $226,134.51.<br> As per the tape, the subject property is a second home.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 and BWR2 have been SE for 26.83 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxshows missing condo project approval, and the loan is now seasoned for more than X months. Further details not provided. Review of loan file shows there is a letter which states the condo project was approved. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Reason for finance charge under disclosure is unknown as the fee itemization is missing.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active.<br>xx/xx/XXXX: xxhas expired." |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 08/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2103.02 | 4.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 780 | Not Applicable | 44.001% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installments of county taxes for XXXX have been exempt.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,649.77 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,103.02 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $426,314.96. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $426,314.96.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the property is owner-occupied.<br> BWR has 1.25 years on the job as a construction project manager at xx. Previously, BWR had 1.16 years on the job as a construction manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxapproved at XX%. Tape and review shows BWR has limited credit. Lender defect. Subject originated X/XX/XX and the X year SOL is active. BWR has X year on the job as a construction project manager at xx. XXXX since inception. $XXK equity. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $78.73 | 09/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $951.48 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 750 | 768 | 48.887% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,265.76 (xx), which was applied for the due date of xx/xx/2025. The current xxis $951.48 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $181,476.61. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $951.48 with an interest rate of 4.750%. The current UPB is $181,476.61.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR1 has 11.33 years on the job as a director with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject is NOO, due to misrepresentation. Further details not provided. Elevated for client review." | \* xxloan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has XX.XX years on the job as a director with xx, FICO XXX, XXXX since inception, and $XXK equity in the subject." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 10/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1276.82 | 5.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 806 | Not Applicable | 34.522% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> Tax status is to follow.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,276.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,276.82 with an interest rate of 5.125%. The current UPB reflected as per the payment history is $234,224.69. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $234,224.69.<br> As per the tape, the subject property is second home.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR receives social security and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* xxsubject was approved as a second home. Tape and file show BWR is a US citizen living in Canada making the AUS invalid. Review shows ATR confirmed." |  |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2090.75 | 10/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3254.10 | 3.990% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 741 | 772 | 52.303% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,449.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,254.10 with an interest rate of 3.990%. The current UPB is $681,446.99. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $681,446.99.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 was qualified using an offer letter as a registered nurse with xx. Previously, BWR1 had 6.91 years on the job as a facility manager with xx. <br> BWR2 has 3.08 years on the job as a direct care staff with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects xx.XX. CD dated xx/xx/XXXX reflects xx.XX. This is an increase in fee of $X.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx/xx/XXXX, and the X-SOL is active."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject approved at XX.XX%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX was qualified using an offer letter as a registered nurse with xx. BWRX has X.XX years on the job as a direct care staff with xx, FICO XXX, and $XXK equity in the subject. Review shows ATR confirmed." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6775.83 | 09/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3641.26 | 5.750% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 784 | 672 | 46.123% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. <br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,350.55 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,641.26 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $621,996.27. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $621,996.27.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 9 months on the job as a supply chain manager with xx. Previously, BWR1 had 5.75 years on the job as a supply chain manager with xx.<br> BWR2 has been SE for 11.16 years at xx, BWR is self-employed and has been running multiple businesses for 3.91 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows lender miscalculated PITI in the DTI calculation. xxis XX.XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a supply chain manager with xx. BWRX has been SE for XX.XX years at xx, BWR is self-employed and has been running multiple businesses for X.XX years, FICO XXX, XXXX since inception, $XXXK equity in the subject, and residual income of $xx Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8376.94 | 09/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1702.06 | 4.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 811 | Not Applicable | 49.191% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $3,146.61 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,702.06 with an interest rate of 4.375%. The current UPB reflected as per the payment history is $339,517.38. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $339,517.38.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 9 months on the job as a registered nurse with xx. Previously, BWR had 7 months on the job as a registered nurse with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. The tape shows income miscalculation. Further details not provided. DTI exceeded the allowable threshold. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a registered nurse with xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6368.39 | 09/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1339.05 | 3.990% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 766 | Not Applicable | 47.530% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,938.90 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,968.50 with an interest rate of 3.990%. The current UPB reflected as per the payment history is $274,912.80. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $274,912.80.<br> Unable to determine the reason for default.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.83 years on the job as a loan servicing admin at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows at the time of submission for issuance of the MIC, the borrower xx. Further details not provided."<br> \* MI, xxmissing and required (xxinsurance certificate is missing from the loan documents."<br> \* xxapplication signed by the loan originator is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 09/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1540.35 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 784 | Not Applicable | 50.082% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been exempt.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,201.03 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,540.35 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $270,395.09. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $270,395.09.<br> As per the tape, the subject property occupancy is non-owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 13.91 years on the job as a clinical manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxis NOO and approved at XX.XX%. Tape shows undisclosed debt opened prior to closing. xxis XX.XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX.XX years on the job as a clinical manager at xx, FICO XXX, XXXX since inception, $XXK equity in the subject, and $X,XXX residual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $711.51 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Unavailable | No | xx | Not Applicable | $550.86 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 707 | Not Applicable | 39.044% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx, a division of xx, xxmortgage was re-recorded for the correct legal description on xx/xx/XXXX.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $78,457.05 (xx), which was applied for the due date of xx/xx/2025. The current xxis $550.86 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $78,457.05. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $78,457.05.<br> Unable to determine RFD.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> xx, the borrowers, xx and xx, filed bankruptcy under Chapter 7 with the Case #xx. xxwas discharged on xx/xx/2024 and terminated on xx/xx/2024.<br> BWR has 1 year on the job as a driver at xx. BWR had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> xx, the borrowers, xx and xx, filed bankruptcy under Chapter 7 with the Case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $85,000.00. The unsecured portion is $0.00. There is no comment indicating a cramdown. xxwas discharged on xx/xx/2024 and terminated on xx/xx/2024. | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan was determined to be ineligible under the program guidelines. Further details were not provided. Subject loan originated on xx/xx/XXXX." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxtest xxfailed the higher-priced mortgage loan test (xx)(xx)) due to an APR calculated at X.XXX% exceeding the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulations XXXX.XX(xx), (xx), and (xx).<br>Loan failed xxthreshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4139.83 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $475.37 | 4.125% | 240 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 764 | Not Applicable | 45.392% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, F.A.<br> There is an active junior mortgage against the subject property in favor of the xx, F.A, which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX in the amount of xx.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,076.54 (xx), which was applied for the due date of xx/xx/2025. The current xxis $475.37 with an interest rate of 4.125%. The current UPB reflected as per the payment history is $42,095.32. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $42,095.32.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape, the subject property is owner-occupied.<br> BWR has 8 years on this job as a cook with the xx<br> BWR has 8 years on this job as a cook with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan does not meet the loan program eligibility requirement. Further details not provided." | \* xxloan failed the TILA foreclosure rescission finance charge test due to the finance charge disclosed on the final TIL as $XX,XXX.XX. The calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX. The loan failed the TILA finance charge test. The finance charge disclosed on the final TIL is $XX,XXX.XX. The calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX.<br> The loan failed the xxtest due to the APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by - X.XXX%.<br> This loan failed the TILA right of rescission test. The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last."<br> \* xxmissing or unexecuted (xxfinal GFE is missing from the loan documents."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower xx,XXX.XX and total expenses are in the amount of $X,XXX.XX, and the loan was manually underwritten."<br> \* xxmissing or unexecuted (xxis missing from the loan file." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5522.20 | 09/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $820.41 | 3.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 630 | Not Applicable | 52.934% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a division of xx, F.A.<br> There is a junior partial claim mortgage against the subject property originated on xx/xx/XXXX in favor of the xxamount of $xx which was recorded on xx/xx/XXXX. As per the subordination agreement located at xx, this mortgage is subordinate to the subject mortgage.<br> The Xst and Xnd installments of county taxes for XXXX-XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,792.32 (xx), which was applied for the due date of xx/xx/2025. The current xxis $820.41 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $133,394.77. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $133,394.77.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 26.5 years on the job as an administrator at the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 2: Acceptable with xx |  |  | \* MI, xxmissing and required (xxloan is an xxcertificate is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9087.17 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1931.19 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 733 | 774 | 49.678% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx, a division of xx, F.A.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX.<br> The annual combined taxes for XXXX are due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,931.19 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,931.19 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $332,040.25. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $332,040.25.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 22.25 years at xx., and is also employed by xx.<br> BWR2 receives retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows underwriting issues. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has been SE for XX.XX years at xx., and is also employed by xx. BWRX receives retirement income, FICO XXX, XXXX in the last XX months and $XXXK equity in the subject."<br> \* xxloan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect points - loan discount fee. xxdated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxis missing. (xx), and its recommendation is xxwith a DTI of XX.XX%." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5024.28 | 09/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $890.60 | 3.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 655 | 624 | 50.751% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a division of xx, F.A.<br> There is a medical lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> There is a credit card judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,221.27 (xx), which was applied for the due date of xx/xx/2025. The current xxis $890.60 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $147,968.52. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $147,968.52.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.66 years on the job as a teacher at xx.<br> BWR2 has 4 months on the job as a campus security guard at xx. BWR2 had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject is an FHA uninsurable loan. Further details not provided." | \* xxis "xxloan failed the initial closing disclosure delivery date test. The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business<br> days before the consummation date."<br> \* MI, xxmissing and required (xxcertificate is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement is missing from the loan file."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx.XX%." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5824.54 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $522.18 | 4.125% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 803 | Not Applicable | 31.497% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens were found.<br> The annual combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $522.18 (xx), which was applied for the due date of xx/xx/2025. The current xxis $522.18 with an interest rate of 4.125%. The current UPB is $37,195.80. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $37,195.80.<br> Unable to determine the RFD.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per servicing comment dated xx/xx/2024, the borrower xx on xx/xx/2024 and the borrower xx. As per comment dated xx/xx/2024, the loss draft check was received in the amount of $3,967.38 on xx/xx/2024. No comments have been found regarding repair completion. Subsequent comments do not show damage.<br> According to the servicing comments, the subject property is owner-occupied.<br> BWR receives retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxappraisal report in the loan file is as is. The photo addendum shows signs of settlement in the side wall. The estimated cost to cure is not available in the loan file. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Loan does not conform to program guidelines (xxfile show the loan is unsaleable due to a TRID violation. xx/xx/XXXX was originally issued as a purchase, and then the loan was changed to refinance, and a new LE was issued. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $3967.38 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $352.94 | 10/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $379.72 | 3.500% | 120 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 668 | Not Applicable | 39.502% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a division of xx, F.A.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $870.02 (xx), which was applied for the due date of xx/xx/2025. The current xxis $379.72 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $17,445.89. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $17,445.89.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.33 years on the job as an electrician at xx. Previously, BWR had 4 months on the job as an electrician at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows LE was not issued within X business days of application. Review of the file shows the LE was provided within the required X business-day period from the application date of xx/xx/XXXX. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5246.60 | 10/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1120.21 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Secondary | Yes | Yes | Yes | 769 | 775 | 44.221% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, a division of xx, F.A.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,701.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,120.21 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $236,074.14. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $236,074.14.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 32 years on the job as a maintenance instructor at xx.<br> BWR2 has 34.25 years on the job as a flight attendant at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows collateral. Further details not provided."<br> \* xxtape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XXXxx, with a sales price of $XXXK, is closest to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, the borrower xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx, and its recommendation is "Accept" with a DTI of XX.XX%." |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3696.76 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $884.19 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 730 | 775 | 44.949% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, F.A.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $884.19 (xx), which was applied for the due date of xx/xx/2025. The current xxis $884.19 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $180,518.83. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $180,518.83.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 8.58 years on this job as a retail coordinator at xx. <br> BWR2 has been SE as a realtor for 2.66 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape shows material omission. Further details not provided. Subject originated X/XX/XX." | \* xxloan failed the Pennsylvania license validation test."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xxits recommendation is xxwith a DTI of XX.XX%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3614.94 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1242.60 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 829 | 815 | 50.207% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a division of xx, F.A.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,242.60, which was applied for the due date of xx/xx/2025. The current xxis $1,242.60 with an interest rate of 2.875%. The current UPB is $268,956.71. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $268,956.71.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR1 has 15 years on the job as a business manager at xx.<br> BWR2 has been SE for 33 years at XXXX.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows DTI calculated incorrectly. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has XX years on the job as a business manager at xx. BWRX has been SE for XX years at xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test.<br> xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. <br> xxdated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. <br> This is a cumulative increase in fee of +$X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxapplication signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xx) and its recommendation is accept with a DTI of XX%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6950.03 | 09/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1159.41 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 701 | Not Applicable | 36.083% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, in the amount of $xx with xx, a division of xx, F.A.<br> There is one junior mortgage against the subject property, which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX in the amount of $xx with the xx<br> The Xst and Xnd installments of town taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,898.78 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,159.41 with an interest rate of 3.00%. The current UPB reflected as per the payment history is $245,750.15. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $245,750.15.<br> As per the tape date, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 19 years on the job as a co-manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows material omission. Further details not provided. Subject originated X/X/XX." | \* xxmissing; loan has escrows (xxescrow account disclosure is missing from the loan document." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 09/23/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3878.76 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 796 | Not Applicable | 21.496% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a xx, F.A.<br> No active judgments or liens have been found.<br> The taxes are to follow. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,878.76 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,878.76 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $839,591.86. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $839,591.86.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 19.33 years on the job as a senior vice president of human resources at xx. Additionally, BWR has been SE for 4.25 years at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows rejected by Chase, as the tax return for the year XXXX is not available. Further details not provided." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows the lender did not obtain the tax return for the year XXXX. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has XX.XX years on the job as a senior vice president of human resources at xx. Additionally, BWR has been SE for X.XX years at xx, xx, $XXXK equity in the subject, and XXXX in the last XX months."<br> \* xxloan failed the Pennsylvania license validation test." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $16678.34 | 10/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4560.51 | 3.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 790 | 786 | 38.644% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a division of xx, F.A.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,039.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,560.51 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $920,650.52. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $920,650.52.<br> As per the seller's tape, the subject property is stated as non-owner occupied. <br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 10.6 years at xx<br> BWR2 has been SE for 8.75 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject was approved as NOO at XX.XX%. The tape shows the lender miscalculated rental income, as the lender did not obtain the proof of rental income. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has been SE for XX.XX years at Main Realty. BWRX has been SE for X.XX years at xx, FICO XXX, XXXX last XX months and $XXXK equity in the subject." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5601.61 | 09/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $694.67 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 620 | 637 | 38.434% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior UCC judgment against the subject property in favor of xx, which was recorded on xx/xx/XXXX. <br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,729.72 (xx), which was applied for the due date of xx/xx/2025. The current xxis $694.67 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $137,167.19. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB per the payment history is $137,167.19.<br> As per the tape, the subject property is owner-occupied.<br> As per the collection comment dated xx/xx/2024, the subject property has hail damage, and the date of loss was xx/xx/2024. The borrower xx,892.28. The comment dated xx/xx/2024 shows the borrower xx,370.40. No further details are provided regarding repairs and the current condition of the property.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.41 years on the job as an associate with xx.<br> BWR2 has 8.33 years on the job as a high school teacher with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* xxis missing from the loan file (xxequity consumer disclosure is missing from the loan documents."<br> \* xxis missing from the loan file (xxequity loan copies of document is missing from the loan documents."<br> \* xx." | \* ATR - Unable to determine borrower's xxsubject approved at XX.XX%. Tape shows underwriting issues. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as an associate with xx. BWRX has X.XX years on the job as a high school teacher with xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject."<br> \* xxmissing; loan has escrows (xxinitial escrow account disclosure signed by the borrower xx."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $34892.28 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $608.60 | 09/24/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $723.62 | 6.250% | 240 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Yes | Other | xx | xx | Not Applicable |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 37.413% | First | Final policy | Not Applicable | Not Applicable | 07/01/2013 | $86718.50 | Not Applicable | 3.750% | $346.56 | 07/01/2013 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There are two criminal judgments against the borrower xx.XX, which were recorded on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $576.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $346.56 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $66,863.27. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $66,863.27.<br> As per the comment dated xx/xx/2024, the reason for default is an illness to the borrower.<br> As per the comment dated xx/xx/2024, the subject property is occupied by an unknown party.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2013.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement was signed between the borrower xx, and the new modified unpaid principal balance is $86,718.50. The modified monthly xx.56 with an interest rate of 3.750% starting on xx/xx/2013, which will be changed in 3 steps until the new maturity date of xx/xx/2051. The rate will change in 3 steps, which end with 3.750%. There is no deferred balance and principal forgiven amount. | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows underwriting issues. Further details not provided. Subject originated X/X/XX." | \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Property is xxis affixed to the land. With the tax certificate attached to the updated title report dated xx/xx/XXXX, the subject property is a manufactured home. xxendorsement is located at "xx"." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4956.18 | 09/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $507.97 | 5.375% | 180 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 679 | Not Applicable | 21.212% | First | Final policy | Not Applicable | Not Applicable | 10/25/2013 | $26669.94 | Not Applicable | 4.125% | $129.26 | 11/01/2013 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, a xx, F.A.<br> There is a federal tax lien in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX. xxmentioned on the supportive document does not match with the borrower's SSN.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $904.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $129.26 with an interest rate of 4.125%. The current UPB reflected as per the payment history is $19,453.88. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $19,453.88.<br> As per tape, the subject property occupancy is non-owner occupied.<br> The loan was modified on xx/xx/2013.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the servicing comment dated xx/xx/2024, the subject property was damaged due to hail. The BWR filed an insurance claim and received a claim check of $16,521.63. No comments were found regarding completion of repairs. xxdo not show damages.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, of xx, on xx/xx/2013. As per the modified term, the new principal balance is $26,669.94. The monthly xxis $129.26 with an interest rate of 4.125% beginning on xx/xx/2013 and a maturity date of xx/xx/2043. There is no deferred balance and no principal forgiven amount. | Missing or error on the xx<br> xx | xx | 2: Acceptable with xx |  |  | \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxis missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Other | xx | $0.00 | $6565.83 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1060.58 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 640 | 661 | 56.952% | First | Final policy | Not Applicable | Not Applicable | 05/01/2011 | $194087.74 | $66653.35 | 5.000% | $609.98 | 06/01/2011 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are three code enforcement liens against the subject property in favor of the xx, Florida, which were recorded on different dates in the total amount of xx. The lien amount is greater than the subject loan amount of xx.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX have been delinquent in the amount of $XX.XX, which was good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,464.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $609.98 with an interest rate of 5.000%. The current UPB reflected as per the payment history is $104,315.58. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $104,315.58.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2011.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is non-owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, xx, on xx/xx/2011. As per the modified term, the new principal balance is $194,087.74. The interest-bearing amount is $xx and the deferred balance is $66,653.35. The monthly xxis $609.98 with an interest rate of 5.000% beginning on xx/xx/2011 and a maturity date of xx/xx/2051. There is no principal forgiven amount. |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows underwriting issues. Further details not provided. Subject originated X/XX/XX."<br> \* xxtape shows the loan was in an FNMA pool, and we had all documents, including the note. When it was sent to collections in XXXX, the note was with it. When the file was returned, it was returned missing the note. The loan will have xxfile shows the note is available and located at "XXXXXXXX - xx pg#xx."" | \* Credit report >XX days old at closing (xxcredit report is more than XX days old at closing." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $5604.50 | 09/23/2025 | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1377.18 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | No | Not Applicable | Unavailable | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 40.854% | First | Final policy | Not Applicable | Not Applicable | 12/14/2012 | $220329.65 | $36434.40 | 4.625% | $841.56 | 01/01/2013 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are three active mortgages against the subject property, which were recorded prior to the subject mortgage. The first prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx, a xx. The second prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx. The third prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> There is a junior active mortgage against the subject property in favor of xx, a corporation, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The first and second installments of county taxes for XXXX-XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,659.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $841.56 with an interest rate of 4.625%. The current UPB reflected as per the payment history is $148,521.86. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $148,521.86.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2012.<br> According to the updated title report dated xx/xx/2025, the foreclosure was initiated on the loan in 2011, and the notice of foreclosure located at Ln#xx. The loan was modified on xx/xx/2012. Further details were not provided.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:According to the updated title report dated xx/xx/2025, the foreclosure was initiated on the loan in 2011, and the notice of foreclosure located at Ln#xx. The loan was modified on xx/xx/2012. Further details were not provided.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx. and xx, a.k.a. xx, husband and wife, and the lender, xx, F.A., on xx/xx/2012. As per the modified term, the new modified unpaid principal balance is $xx out of which $xx is the interest-bearing amount and the deferred amount is $36,434.40. The monthly xxis $841.56 with an interest rate of 4.625% beginning on xx/xx/2013 and a maturity date of xx/xx/2052. There is no principal forgiven amount. | xx<br> Missing or error on the xx<br> xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows underwriting issues. Further details were not provided. Subject originated XX/XX/XX." | \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* Missing credit report (xxcredit report is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3282.78 | 10/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $977.69 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 767 | Not Applicable | 64.020% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx, a division of xx, F.A. <br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,332.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $977.69 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $89,032.55. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $89,032.55.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows program ineligibility. Further details are not provided. Subject originated X/XX/XX." | \* xxloan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate." |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $7508.75 | 10/01/2025 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1329.63 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 667 | Not Applicable | 60.149% | First | Final policy | Not Applicable | Not Applicable | 01/21/2020 | $221496.13 | $30495.67 | 3.625% | $754.31 | 02/01/2020 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a division of xx, F.A.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,504.58 (xx), which was applied for the due date of xx/xx/2025. The current xxis $754.31 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $173,212.35. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $173,212.35.<br> As per the tape data, the subject property is occupied by an unknown party.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2020.<br> As per the UT report dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2009. The complaint was filed on xx/xx/2009. Further details not provided.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:As per the UT report dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2009. The complaint was filed on xx/xx/2009. Further details not provided.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx. and the lender, xx, F.A., on xx/xx/2020. As per the modified term, the new principal balance is $xx out of which $xx is the interest-bearing amount and the deferred amount is $30,495.67. The monthly xxis $754.31 with an interest rate of 3.625% beginning on xx/xx/2020 and a maturity date of xx/xx/2060. There is no principal forgiven amount. | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows servicing errors. Further details not provided." | \* xxfailed TILA finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1663.81 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Unavailable | Unavailable | xx | Not Applicable | $249.94 | 4.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 639 | Not Applicable | 21.799% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior child support lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> There is a civil judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $644.22 (xx), which was applied for the due date of xx/xx/2025. The current xxis $249.94 with an interest rate of 4.375%. The current UPB is $36,682.13. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $36,682.13.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case #xx. xxwas terminated on xx/xx/2024.<br> BWR has 5 years on the job as a journeyman electrician with xx.<br> Foreclosure Comments:Not Applicable<br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $97,690.00. The unsecured portion is $0.00. xxwas filed by the creditor, xx, a division of xx, on xx/xx/2020, with the secured claim amount of $xx and the arrearage amount of $13,020.14. xxplan filed on xx/xx/2019 was confirmed on xx/xx/2020. The debtor shall pay the monthly payment of $200.00 for 1 month, $700.00 for 2 months, and $860.00 for 3-60 months. There is no comment indicating a cramdown. xxwas terminated on xx/xx/2024. | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows underwriting issues. Further details not provided. Subject originated xx/xx/XXXX." | \* xxfinance charge disclosed on the final TIL is $XX,XXX.XX. The calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing.<br>xxdue to finance charge disclosed on xx,XXX.XX. The calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. <br>The loan failed the xxtest due to APR calculated at X.XXX% exceeds the disclosed APR of X.XXX% by - X.XXX%."<br> \* xxloan does NOT violate predatory lending laws. It only exceeds the GSE points and fees test: xxfee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxis missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $865.64 | 09/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $711.43 | 4.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 621 | Not Applicable | 51.152% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of city taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,042.68 (xx), which was applied for the due date of xx/xx/2025. The current xxis $711.43 with an interest rate of 4.500%. The current UPB reflected as per the payment history is $95,485.62. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $95,485.62.<br> As per the tape, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2024, the subject property was damaged due to wind on xx/xx/2024. The estimated claim amount is $92,861.93. The borrower xx,967.61. There is no evidence of completion of repairs.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents." | \* xxis "xxfails xxdue to Fees charged $XX.XX exceeds the fee threshold of $X.XX by +$XX.XX. The below fee was included in the test: xxpaid by Borrower: $XX.XX<br>This loan failed the NY subprime home loan test. (xx))<br> Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.<br> xxprovisions specify that lenders may lawfully make this type of loan subject to certain<br> conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional<br> conditions are met."<br> \* xxfailed the xxcharge due to the finance charge disclosed on the final TIL is $XXX,XXX.XX. The calculated finance charge is $xx for an undisclosed amount of -$XX,XXX.XX. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. The loan failed the xxtest due to the APR calculated at X.XXX%, which exceeds the disclosed APR of X.XXX% by - X.XXX%."<br> \* xxrisk indicator is moderate, as the loan is failing for the xxcharged APR is X.XXX%, and the allowed is X.XXX%, so it is over by +X.XXX%. The loan is escrowed."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $20823.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1377.75 | 09/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $375.94 | 4.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 697 | 673 | 41.666% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water/sewer charges for XXXX has been delinquent in the amount of $XX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $561.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $375.94 with an interest rate of 4.120%. The current UPB reflected as per the payment history is $56,169.34. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $56,169.34.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.2 years on the job as a stock clerk with xx.<br> BWR2 has 2 years on the job as a teller 2 with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> xx | xx | 2: Acceptable with xx |  |  | \* xxloan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate."<br> \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$X,XXX.XX. <br>The loan failed the xxtest due to APR calculated at X.XXX% exceeds the disclosed APR of X.XXX% by - X.XXX%."<br> \* xxmissing or unexecuted (xxfinal good faith estimate is missing from the loan documents."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $4229.03 | 09/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $636.31 | 4.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 620 | Not Applicable | 55.498% | First | Final policy | Not Applicable | Not Applicable | 07/06/2021 | $114026.67 | Not Applicable | 3.500% | $562.71 | 07/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a division of xx, F.A.<br> There is an active junior mortgage against the subject property in favor of xxamount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument #xx.<br> There is a credit card judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,264.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $562.71 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $101,240.70. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $101,240.70.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is occupied by an unknown party. <br> As per the modification agreement, the loan was modified on xx/xx/2021.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.6 years on the job as a senior customer service representative at the City of Dallas. BWR had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, a division of xx, F.A., on xx/xx/2021. As per the modified term, the new principal balance is $114,026.67. The monthly xxis $562.71 with an interest rate of 3.500% beginning on xx/xx/2021 and a maturity date of xx/xx/2047. There are no deferred balances or principal forgiven amounts. The loan has been modified once since origination. | Missing or error on the xx<br> xx<br> Transmittal (xx) | xx | 2: Acceptable with xx |  |  | \* xxfailed TILA finance charge test. Finance charge disclosed on final TIL is $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX.<br>Loan failed xxtest due to APR calculated X.XXX% exceeds APR threshold X.XXX% under disclosed by - X.XXX%."<br> \* xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%."<br> \* xxis missing. (xx) is xxsummary is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1117.38 | 09/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $864.44 | 5.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 695 | Not Applicable | 25.689% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.A.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,705.53 (xx), which was applied for the due date of xx/xx/2025. The current xxis $864.44 with an interest rate of 5.00%. The current UPB reflected as per the payment history is $90,882.33. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $90,882.33.<br> As per the tape, the subject property is occupied by an unknown party.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 2: Acceptable with xx |  |  | \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2640.46 | 09/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1517.55 | 3.750% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 708 | 756 | 52.725% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx, F.A.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual water/sewer charges for XXXX are delinquent in the amount of $X,XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,891.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,517.55 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $80,388.24. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $80,388.24.<br> As per the tape, the subject property is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 20 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows program ineligibility. Further details not provided. Subject originated xx/xx/XX." | \* xxis missing. (xxcounseling disclosure is missing from loan documents."<br> \* xxmissing; loan has escrows (xxescrow account disclosure is missing from the loan documents"<br> \* xxis xxinitial truth in lending disclosure is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, the borrower xx,XXX.XX, and total expenses are in the amount of $X,XXX.XX. xxreport is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4895.47 | 09/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4001.94 | 6.625% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 688 | 695 | 35.244% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, xxactive judgments or liens have been found. The first and second installments of county taxes for XXXX/XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,505.85 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,001.94 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $623,894.12. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $623,894.12.<br> No details pertaining to the damage to the subject property have been observed. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found. <br> As per tape data, the property is owner-occupied. <br> Unable to determine the reason for the default. <br> BWR1 has 9.25 years on the job as an infrastructure engineer with the xx, BWR1 receives VA compensation income. <br> BWR2 has 23.50 years on the job as a teacher with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan meets all VA guidelines and is insured and doesn't meet GNMA seasoning requirements. xxrefinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $238.24 | $0.00 | 09/26/2025 | Unavailable | No | Unavailable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $1324.08 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 839 | Not Applicable | 38.902% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first and second (xx) installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been delinquent in the total amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,755.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,324.08 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $227,023.63. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $227,023.63.<br> Unable to determine the occupancy of the subject property.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> xx, the borrower, xx. Fore-Palmer, filed bankruptcy under Chapter 13 with the case #xx. The bk is still active.<br> As per the UT dated xx/xx/2025, the FC was initiated in 2024. xxwas initiated by filing the notice of lis pendens on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx, which is located at "Ln#xx." Further details not provided.<br> BWR qualified using an offer letter as a registered nurse at xx. BWR had multiple jobs in the last 2 years.<br>Foreclosure Comments:As per the UT dated xx/xx/2025, the FC was initiated in 2024. xxwas initiated by filing the notice of lis pendens on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx, which is located at "Ln#xx." Further details not provided.<br> xx, the borrower, xx. Fore-Palmer, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $271,600.00. There is no unsecured portion. xxwas filed by the creditor, MERS as nominee for xx, on xx/xx/2025, with the secured claim amount of $xx and the arrearage amount of $20,370.92. xxplan filed on xx/xx/2024 was confirmed on xx/xx/2025. There is no comment indicating a cramdown. xxcase is still active. | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows customer requested forbearance on X-XX-XX. Request denied xx-xx-XX due to credit and unstable income. Demand letter sent X/X with due date of X/X. Foreclosure filing in process. xxfiled xx/xx/XX. xxcheck rec'd X/XX/XX for xx. Amounts for xx. Further details are not provided." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows stability of BWR's income was not established. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year will expire on xx/xx/XXXX. BWR qualified using an offer letter as a registered nurse at xx, FICO XXX, and $XXK equity in the subject."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $576.64 | 09/26/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2319.93 | 4.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 720 | 749 | 43.722% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.&nbsp;&nbsp;&nbsp;&nbsp;  | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,176.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,319.93 with an interest rate of 4.500%. The current UPB reflected as per the payment history is $453,595.64. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $453,595.64.<br> Unable to determine the occupancy of the subject property.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 3.75 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject loan is uninsurable, as the BWR already had an FHA loan, which was not on the credit report. The investor got no indication of a prior FHA loan in the mortgage statement. Further details not provided."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 10/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1617.62 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 771 | Not Applicable | 26.765% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active UCC lien against the subject property in favor of xx, N.A., which was recorded on xx/xx/XXXX.<br> The annual county taxes for XXXX have been exempted on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,201.22 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,617.62 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $281,060.16. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $281,060.16.<br> Unable to determine the RFD.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the occupancy.<br> BWR has 4.08 years on the job as a software engineer III with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX. Tape and file show BWR does not meet the minimum tradelines and history requirement, as the BWR has only one active tradeline, which is an authorized user account. Lender defect. BWR has X.XX years on the job as a software engineer III with xx., FICO XXX, and $XXXK equity in the subject property. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $591.39 | 10/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2996.36 | 6.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 709 | 670 | 49.448% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,813.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,996.36 with an interest rate of 6.625%. The current UPB is $466,406.90. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $466,406.90.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br> BWR1 has 6.58 years on the job as a lot attendant at xx. Additionally, BWR1 receives social security and pension income.<br> BWR2 receives social security and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxexcluded an auto payment that was not being paid in full by a third party monthly. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx.X years and receives SSI & Pension. BWR X receives xx. $X,XXX residual income. $XK in reserves. $XX.XK equity in the subject property."<br> \* Number of units in the property is inconsistent with the tape (xx)<br> \* Property type is inconsistent with the tape (xx) | \* Appraisal incomplete (xx) (xxappraisal dated xx/xx/XXXX had expired by two days as of the closing date. Review of the file shows an updated xx, with an inspection date of xx/xx/XXXX, is available to support the appraisal. Further details not provided. Zillow search shows an estimated value of $XXK. Current UPB is $XXXK."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents; loan is an FHA."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx" |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6109.36 | 09/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2654.74 | 5.320% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 793 | 798 | 50.139% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX-XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,727.36 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,654.74 with an interest rate of 5.320%. The current UPB reflected as per the tape is $460,326.86. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $460,326.86.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 25.83 years on the job as an assisting store director with xx.<br> BWR2 has 20.16 years on the job as a cafe worker with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxmiscalculated income. Lender defect. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx.X years, BWR X is employed with xx.X years, FICO XXX, $X,XXX residual income, $XX.XK in reserves and $XXK equity in the subject property."<br> \* Property type is inconsistent with the tape (xx) | \* xxloan fails the xxpublic guidelines) QM points and fees test due to fees charged of $xx exceeds fees threshold of $xx by +$X,XXX.XX. The below fees were included in the test:<br> xx<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br>Loan fails xxpoints and fees test due to fees charged $xx exceeds fees threshold of $xx over by +$X,XXX.XX. <br> The following fees were included in the test:<br> xx<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX"<br> \* Loan does not conform to program guidelines (xxshows MI was rescinded. Further details not provided." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1107.04 | 09/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $676.93 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 812 | Not Applicable | 28.964% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX-XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $844.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $676.93 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $97,772.97. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $97,772.97.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR qualified using an offer letter as an assistant track and field coach at xx. Additionally, BWR had 6.33 years on the second job as an assistant track and field coach at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows lender used rental income to qualify without sufficient documented rental history. xxis XX%. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR qualified using an offer letter as an assistant track and field coach at xx, FICO XXX, XXXX since inception, and $X,XXX equity in the subject." | \* xxmissing; loan has escrows (xxinitial escrow account disclosure signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second | xx | $21.92 | $4503.21 | 09/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2275.31 | 6.490% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 730 | 567 | 55.888% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one active prior mortgage originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one active UCC judgment against the property in favor of xx, which was recorded on xx/xx/XXXX.<br> The Xst installment of town taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utilities/MUD charges for XXXX is delinquent in the amount of $XX.XX, which is good through xx/xx/XXXX. | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,977.63 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,275.31 with an interest rate of 6.490%. The current UPB is $360,025.59. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $360,025.59.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> BWR1 has 4.66 years on the job as a facilities custodian with xx. BWR2 has 6.5 years on the job as a certified licensed nursing assistant with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX reflects a transfer tax fee at $X,XXX.XX. The final CD dated xx/xx/XXXX reflects a transfer tax fee of $X,XXX.XX. This is an increase in fee of $XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows lender repulled credit report on closing day due to spelling error in name, and updated score of XXX was below product guidelines. Further details not provided." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2927.32 | 09/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1002.50 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 689 | Not Applicable | 46.431% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, xxactive judgments or liens have been found. The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX. The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,432.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,002.50 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $157,394.82. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $157,394.82. As per the comment dated xx/xx/2024, the reason for default is unemployment. No details pertaining to the damage to the subject property have been observed. The loan has not been modified since origination. No foreclosure activity has been found. No post-close bankruptcy record has been found. As per the comment dated xx/xx/2025, the subject property is owner-occupied. BWR has 7 months on the job as an xx. BWR had multiple jobs in the past.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxallowed the loan to close with instability of employment/income and insufficient credit history. X authorized user account and X collection account. BWR had X jobs from X/XXXX to xx/xx/XXXX in various industries with gaps in between. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx. as an xx, FICO XXX, $X,XXX residual income, $XXX in reserves and $XX.XK equity in the subject property from gift funds." | \* xxmissing; loan has escrows (xxinitial escrow account disclosure is missing from the loan file."<br> \* Loan does not conform to program guidelines (xxfile shows appraisal was subject to completion of repairs and the loan was repurchased as the repairs were complete after closing. xxdated xx/xx/XXXX shows the remaining items in need of repair have been completed. Further details not provided." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. The final CD dated xx/xx/XXXX reflects xx,XXX.XX. The loan estimate dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. The final CD dated xx/xx/XXXX reflects an appraisal fee at $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4535.26 | 09/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1332.98 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 640 | Not Applicable | 48.536% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There is an active prior civil judgment against the borrower xx., which was recorded on xx/xx/XXXX.<br> There are two active prior state tax liens against the borrower xx, which were recorded on xx/xx/XXXX in the total amount of $X,XXX.XX.<br> The annual installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,775.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,332.98 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $193,929.14. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $193,929.14.<br> As per the tape, the occupancy of the subject property is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 23.91 years on the job as a provider management LD at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxis NOO and approved at XX.XX%. Tape shows undisclosed debt opened prior to closing. xxis XX.XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX.XX years on the job as a provider management LD at xx, FICO XXX, XXXX since inception, $XXXK equity in the subject, and $X,XXX residual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1898.98 | 08/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $985.40 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 693 | Not Applicable | 43.323% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first and second annual installments of county taxes for XXXX-XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,375.22 (xx), which was applied for the due date of xx/xx/2025. The current xxis $985.40 with an interest rate of 6.875%. The current UPB reflected as per the tape is $148,031.90. | Collections Comments:According to the servicing comments, the current status of the loan is in collection.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $148,031.90.<br> As per the seller's tape data, the subject property is owner-occupied.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security and annuity income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows lender omitted Xrd-party debts with delinquent history in the last XX months. xxis XX%. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives social security and annuity income, FICO XXX, and $XXXK equity in the subject." | \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX.<br>Loan fails xxpoints and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* ROR not hand dated by borrower(xx) (xxis not hand-dated by the borrower." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 09/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $524.89 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 623 | Not Applicable | 37.900% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $946.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $524.89 with an interest rate of 6.875%. The current UPB is $77,991.71 and the deferred balance is $2,099.56.<br> As per the deferred agreement located at "xx" the deferred balance is $2,099.56. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $77,991.71 and the deferred balance is $2,099.56.<br> As per comment dated xx/xx/2025, the reason for default is excessive obligations.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 9.91 years on the job as a rural carrier with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows insufficient assets, as the gift asset of $X,XXX was invalidated after statements from the donor (xx) indicating the money was to be repaid post-close, and the cash-to-close requirement is $X,XXX. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a rural carrier with the xx." | \* Appraisal incomplete (xx) (xxsubject loan was closed without an appraisal. xxdisclosure signed by the borrower xx." Redfin search shows an estimated value at $XXK. Current UPB is $XXXK."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations." | \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the processing fee. CD dated xx/xx/XXXX reflects a processing fee of $XXX.XX. The loan estimate dated xx/xx/XXXX does not reflect the underwriting fee. xxdated xx/xx/XXXX reflects an underwriting fee of $XXX.XX. The loan estimate dated xx/xx/XXXX does not reflect the credit monitoring service. CD dated xx/xx/XXXX reflects credit monitoring service at $X.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $504.56 | 09/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1475.49 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 772 | Not Applicable | 38.427% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The second installment of combined taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,475.49 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,475.49 with an interest rate of 6.990%. The current UPB is $219,544.95. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $219,544.95.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxloan closed without an xxdisclosure signed by the borrower xx."<br> \* xxshows the subject property is located in xx. Subject loan closed without an appraisal. The lava zone map available in the file shows the subject property is located in xx. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 09/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3329.62 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 783 | 792 | 44.362% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> Tax status is to follow. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,329.62 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,329.62 with an interest rate of 6.625%. The current UPB is $516,257.99. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $516,257.99.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 8.50 years on the job as a postmaster with xx.<br> BWR2 has been SE for 6.16 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxfile show the subject loan closed with an appraisal report reflecting "as is" and it should have been subject to completion of renovation. Tape states property will not be ready for occupancy until October XXXX, as it is undergoing large renovations. The estimated cost to cure is $XXxxreport is missing from the loan documents. The final CD does not reflect the escrow holdback." | \* xxfailing for state regulations. PA license validation test. In the state of PA, the lender is licensed under state ID #xx."<br> \* xxis "xxloan fails the xxpoints and fees test due to fees charged of $xx Exceeds the fees threshold of $xx by $X,XXX.XX. The below fees were included in the test:<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to fees charged of $xx Exceeds the fees threshold of $xx by $X,XXX.XX. The below fees were included in the test:<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10708.95 | 09/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2329.12 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | 3 Family | xx | xx | Primary | Yes | Yes | No | 754 | Not Applicable | 29.938% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of combined taxes for XXXX were paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,418.20 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,329.12 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $358,479.90. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $358,479.90.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the property is owner-occupied.<br> BWR has 1.16 years on the job as a senior account executive with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on xxdated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects lender credit at $XXX.XX; the final CD dated xx/xx/XXXX reflects the lender at $X.XX. This is a decrease of $XXX.XX for a fee that has a X% tolerance test. xxdecrease in NSLC is missing from the loan documents. The subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxtape and file show the subject is a X-unit with X xxsubject was closed with an appraisal report reflecting a X-unit property."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Pass | No Result | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3722.32 | 09/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2368.77 | 6.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 790 | 669 | 34.628% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found. <br> The Xst installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,911.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,368.77 with an interest rate of 6.250%. The current UPB reflected as per the tape is $384,350.96. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $384,350.96.<br> According to the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR1 has 6.5 years on the job as a data center operations technician at xx.<br> BWR2 has 1.91 years on the job as a process leader at xx. BWR2 had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* MI, xxmissing and required (xxcertificate is missing from the loan file."<br> \* xxshows the condo project did not have an active FHA approval at the time of loan origination. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1058.26 | 09/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $872.26 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | Yes | 788 | Not Applicable | 31.638% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | <br> According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of personal taxes for XXXX is due in the amount of $X.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,040.86 (xx), which was applied for the due date of xx/xx/2025. The current xxis $872.26 with an interest rate of 6.500%. The current UPB reflected as per the tape is $136,852.50. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $136,852.50.<br> As per the tape, the subject property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 3.58 years on the job as an operations manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show the subject is a condotel. The subject is a unit in the xxproject in xx, xxproject was originally a hotel and was converted into a condominium without completion of full rehab. The project has amenities like a pink pony pub situated just across from the beach. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* xxapproval is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | Second |  | $0.00 | $3755.28 | 09/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4546.77 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 755 | Not Applicable | 26.094% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active xxlien against the subject property in favor of the xx, xx, which was recorded on xx/xx/XXXX. The supportive document does not reflect the lien amount.<br> The first county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd, Xrd, and Xth county taxes for XXXX are due in the total amount of $X,XXX.XX on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,584.62 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,546.77 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $735,757.92. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $735,757.92.<br> As per tape data, the property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been xx.91 years and at xx.91 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxshows property is NOO due to misrepresentation. Further details were not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE for XX.XX years at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX. Subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $XX,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. Subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $1557.95 | $1557.95 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1700.03 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 726 | Not Applicable | 34.711% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX-XXXX has been delinquent in the total amount of $X,XXX.XX, which was due on xx/xx/XXXX and good through xx/xx/XXXX. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $1,700.03 with an interest rate of 6.625%. The current UPB is $265,500.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $1,700.03 with an interest rate of 6.625%. The current UPB is $265,500.00.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1 week on the job as an associate veterinarian at xx. BWR had multiple jobs in the past.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows seller credit exceeds closing cost by $XXXX.XX. File shows the seller credit of $xx on the final CD exceeds the closing cost of $X,XXX.XX. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5152.72 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2961.77 | 7.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Commercial Prop | xx | xx | Investor | Yes | Yes | No | 760 | Not Applicable | 6.351% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of combined taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,589.78 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,961.77 with an interest rate of 7.490%. The current UPB reflected as per the payment history is $423,367.43. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $423,367.43.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is non-owner occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 11.58 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Property is xxsubject was approved as NOO but appears to be commercial. The tape shows the subject property is a boarding/group home consisting of a XX - bedroom house. The appraiser's revised comments state that the property is leased to an individual tenant and not operated as a group home. Review is relying on seller tape defect and treating as a group home." | \* Loan does not conform to program guidelines (xx)&nbsp;&nbsp;&nbsp;&nbsp; "BWR is xx, deed and mortgage are in the name of xx. Loan does have a personal guarantee." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 09/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $691.22 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 725 | 791 | 49.851% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The taxes are to follow.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $923.39 (xx), which was applied for the due date of xx/xx/2025. The current xxis $691.22 with an interest rate of 6.990%. The current UPB is $101,818.39. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $101,818.39.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR1 has 4 months on the job as a residential support staff member with xx. Previously, BWR1 had 18 years on the job as a customer service representative at xx. <br> BWR2 has 14.66 years on the job as a senior branch office admin with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxsubject loan was closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated value at $XXXK. Current UPB is $XXXK."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows undisclosed debt opened prior to closing. The revised DTI is XX.X%. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X months on the job as a residential support staff member with xx. BWRX has XX.XX years on the job as a senior branch office admin with xx, FICO XXX, XXXX since inception, $XXK equity in subject and residual income of $X,XXX."<br> \* xxloan failed the Pennsylvania license validation test (xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2074.42 | 09/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1687.50 | 4.500% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 745 | 804 | 39.398% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx, Page xx in the amount of $xx with xx, xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water charges for XXXX is due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,989.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,687.50 with an interest rate of 4.500%. The current UPB reflected as per the payment history is $73,408.61.<br> As per the comment dated xx/xx/2023, xx/xx/2024 and xx/xx/2024, the payments made in October 2023, xxare borrower payments. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $73,408.61.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.58 years on the job as a waitress with xx. Previously, BWR1 has been SE for 1.58 years at xx<br> BWR2 has been SE for 2.25 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review." | \* Loan does not conform to program guidelines (xxshow MI was rescinded. Further details not provided." | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as a waitress with xx. BWRX has been SE for X.XX years at xx. FICO XXX, XXXX since inception and $XXXK equity in the subject."<br> \* xxmissing; loan has escrows (xxescrow account disclosure is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2312.76 | 09/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1786.90 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 678 | 717 | 48.480% | First | Final policy | Not Applicable | Not Applicable | 05/01/2025 | $367591.29 | $19097.45 | 3.875% | $1429.51 | 05/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a medical lien against the subject borrower in favor of xxfka xx, which was recorded on xx/xx/XXXX in the amount of $XXX,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX has been delinquent in the total amount of $X,XXX.XX, which is due on xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,941.90 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,429.51 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $346,808.36. As per the deferral letter located at "xx" the lender deferred the 3 payments in the total amount of $5,360.70. | Collections Comments:According to the servicing comments, the loan is currently performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $346,808.36.<br> As per the servicing comment dated xx/xx/2025, the reason for default is excessive obligation.<br> As per the servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2025, the borrower xx on a forbearance plan.<br> The loan was modified on xx/xx/2025.<br> As per the deferral agreement dated xx/xx/2024, which is located at 1102094743 xx, the deferred amount is $5,360.70.<br> No details regarding damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 11 months on the job as a foreman with xx. Previously, BWR1 had 1.58 years on the job as an associate with xx.<br> BWR2 has 2 months on the job as a warehouse associate at xx. xx, BWR2 had 1.58 years on the job as a crew member with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2025. As per the modified term, the new principal balance is $xx out of which the interest-bearing amount is $xx and the deferred principal balance is $19,097.45. The monthly xxis $1,429.51 with an interest rate of 3.875% beginning on xx/xx/2025 and a maturity date of xx/xx/2065. There is no principal forgiven amount. | Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject is NOO, due to misrepresentation. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. Tape shows lease misrepresentation and the subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has XX months on the job as a foreman with xx. BWRX has X months on the job as a warehouse associate at xx, FICO XXX, and $XXK equity in the subject."<br> \* xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx)."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx, Pg#xx, and its recommendation is "xxwith a DTI of XX.XX%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1884.44 | 09/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1364.37 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 737 | Not Applicable | 33.789% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,752.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,364.37 with an interest rate of 3.250%. The current UPB is $277,461.23. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $277,461.23.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> BWR has been SE for 5.58 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape shows the DACA loan done through xx, not through the xxdetails not provided." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2751.62 | 09/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1607.70 | 4.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 767 | Not Applicable | 43.699% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active prior mortgage against the subject property, originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx, an Arizona limited liability company.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,127.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,607.70 with an interest rate of 4.380%. The current UPB reflected as per the payment history is $300,831.05. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $300,831.05.<br> As per seller's tape data, the property occupancy is stated as an investment.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has been SE for 3.66 years at xx, P.C.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan did not qualify for xx, as it was unendorsed, and now it has been converted into a conventional loan. Further details are not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3278.63 | 09/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $526.36 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Investor | Yes | Yes | Yes | 757 | Not Applicable | 12.382% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $979.42 (xx), which was applied for the due date of xx/xx/2025. The current xxis $526.36 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $106,573.59. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $106,573.59.<br> As per the tape, the subject property is stated as an investment.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 28.16 years on the job as a president with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows the subject condo is a non-warrantable project. Review of the file shows the appraisal report is as is, and the condo association budget document does not reflect any damage or repairs. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB $XXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10761.74 | 09/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3620.83 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 707 | Not Applicable | 41.711% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active junior UCC lien against the subject property in favor of xx, which was recorded on xx/xx/XXXX. <br> The first and second installments of county taxes for XXXX/XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,620.83 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,620.83 with an interest rate of 3.875%. The current UPB is $713,841.64. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $713,841.64.<br> As per the tape data, the occupancy of the subject property is a second home.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR receives retirement distribution income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the prepayment penalty was removed from the loan terms, but the corresponding disclosure was not updated appropriately. Further details not provided." | \* Missing or error on the xxrate lock agreement is missing from the loan file." |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4989.37 | 09/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1270.84 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 793 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens were found. <br> The annual installment of utility/MUD taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,792.36 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,270.84 with an interest rate of 7.375%. The current UPB, reflected as per the payment history, is $183,577.39. | Collections Comments:According to the servicing comments, the current status of the loan is collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $183,577.39.<br> As per the comment dated xx/xx/2025, the reason for default is illness of the borrower.<br> As per the comment dated xx/xx/2025, the subject property is tenant-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR is an LLC, and the subject loan was approved as DSCR.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows early payment default. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XXX,XXX.XX.<br>BWR is an xxwas signed only by a member of the LLC and not an individual. Loan does have a personal guarantee." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2876.00 | 09/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1416.73 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 722 | Not Applicable | 49.578% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of city taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.X on xx/xx/XXXX.<br> The annual installment of city taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,866.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,416.73 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $226,452.65.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $226,452.65.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.75 years on the job as a machine operator at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxmiscalculated income. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx. as a xx.XX years, FICO XXX, $X,XXX residual income, $X,XXX in reserves, XXXX since inception and $XXX.XK equity in the subject property from gift funds." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | \* Settlement date is different from note date (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "The final CD reflects the closing date as 5/9/2025. The notary's signature date on the mortgage/deed of trust is 5/7/2025. The note date is 5/7/2025." | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1162.86 | 09/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1947.51 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 800 | Not Applicable | 46.489% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with Book xx, Page xx, in the amount of $xx with xx, xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,330.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,947.51 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $297,548.08. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $297,548.08.<br> As per the tape data, the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.08 years on the job as an account manager at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxapproved at XX.XX%. Tape shows rental income miscalculation, as the lender considered rental income from departure xxdefect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as an account manager at xx. FICO XXX, XXXX since inception, and $XXK equity in the subject. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1874.90 | 09/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1716.23 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 791 | Not Applicable | 45.821% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first and second installments of town taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,207.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,716.23 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $258,096.51. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $258,096.51.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 7.83 years on the job as a senior administrative assistant with the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows undisclosed debt. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a senior administrative assistant with the xxsince inception, with $XXK equity in the subject."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6787.45 | 09/26/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2782.86 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 754 | Not Applicable | 49.877% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,782.86 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,782.86 with an interest rate of 6.125%. The current UPB is $452,505.65. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $452,505.65.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> BWR has 21 years on the job as a manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. CD dated xx/xx/XXXX reflects xx,XXX.XX.<br> Loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. CD dated xx/xx/XXXX reflects xx,XXX.XX.<br> This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL is active." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows BWR was not employed at the time of closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX years on the job as a manager at xx, FICO XXX, XXXX since inception." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $7209.28 | 09/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3286.45 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 791 | 782 | 45.580% | First | Final policy | Not Applicable | Not Applicable | 11/27/2023 | $555578.00 | Not Applicable | 5.875% | $3286.42 | 01/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior mortgage that was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, a corporation.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,029.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,286.45 with an interest rate of 5.880%. The current UPB reflected as per the payment history is $543,082.09. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $543,082.09.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2023.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 2.41 years at xx<br> BWR2 has 9 months on the job as a hygiene specialist with xx. xx, xx, BWR2 was a student at xx.66 years. Prior to that, BWR had 1.58 years as a member advocate with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is construction to permanent loan. The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2023. As per the modified term, the new principal balance is $555,578.00. The monthly xxis $3,286.45 with an interest rate of 5.875% beginning on xx/xx/2024 and a maturity date of xx/xx/2053, and also, as per the tape, the loan was modified. There is no deferred balance and principal forgiven amount. | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows declining income for both BWRs due to job changes and BWRX doing a new part-time job. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has been SE for X.XX years at DJ Ceron LLC; BWRX has X months on the job as a hygiene specialist with xx. xx, DDS, FICO XXX, XXXX last XX months, and $XXK equity in the subject."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX.<br>TRID total of payment disclosed on final CD as $X,XXX,XXX.XX. Calculated total of payments is $xx for an under disclosed amount of -$XXX.XX. Reason for the disclosed total of payments of $xx is not considered accurate due to it is understated by more than $XXX.<br>Subject loan is refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XXX% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx Page #xx.XX%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3000.31 | 09/26/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1446.20 | 6.450% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 767 | Not Applicable | 49.539% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,779.20 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,446.20 with an interest rate of 6.450%. The current UPB reflected as per the payment history is $228,935.09. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $228,935.09.<br> As per tape, the subject property is owner-occupied.<br> No details regarding damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 8 months on the job as a teacher at the xx, BWR had 6.91 years on the job as a teacher at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxmiscalculated rental loss and excluded a new auto payment. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx, FICO XXX, $X,XXX residual income, $XXXK in reserves, XXXX since inception and $XXXK equity in the subject property." | \* Appraisal incomplete (xx) (xxloan closed without an appraisal report. PIW disclosure signed by the borrower xx. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $85.09 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3633.97 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 668 | 675 | 47.236% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX has been paid in the amount of $XX.XX on xx/xx/XXXX.<br> The annual installment of utilities/MUD charges for XXXX has been paid in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to tape as of xx/xx/2025, the next due date is xx/xx/2025. The current xxis $3,633.97 with an interest rate of 7.125%. The current UPB reflected as per the tape is $539,390.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is $539,390.00.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 2.58 years on the job as an account director with xx. <br> BWR2 has been SE for 8.33 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxfile show the subject loan is not salable, as the builder is not willing to increase insurance coverage of the condo project, and the property coverage deductible is over the X% maximum threshold. Also, the insurance does not include building ordinance and law coverage. The copy of the master policy is missing, and BWRs have obtained coverage for their own subject property. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB $XXXK." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1766.17 | 09/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1043.26 | 6.499% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 800 | Not Applicable | 45.619% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,365.18 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,043.26 with an interest rate of 6.499%. The current UPB reflected as per the payment history is $156,833.96.<br> As per the comment dated xx/xx/2025, the payments made in Sept 2025 are borrower payments. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $156,833.96.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has been SE for 6.16 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxmiscalculated income using XXX% ownership when the BWR only owns XX% of the business. xxexcess of XXX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE with xx, FICO XXX, $XXX.XK in reserves. XXXX since inception and $XXXK equity in the subject property." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9358.53 | 09/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2330.80 | 7.374% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 776 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX was paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,297.56 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,330.80 with an interest rate of 7.374%. The current UPB reflected as per the payment history is $337,243.14. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $337,243.14.<br> As per tape data, the subject property occupancy is stated as investment.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* xxloan guaranty certificate is missing from the loan documents."<br> \* xxdefect and the loan file review show both the vesting deed and the mortgage were signed by xx, acting as a member of two separate LLCs — the seller, as identified in the vesting deed, and the borrower, xx. According to the vesting deed, the subject property was transferred from xx, xxsigned the vesting deed as a member of xx, xxsubject mortgage, dated July XX, XXXX, was originated by xx. Lepak both individually and as a member of the Florida limited liability company. Also, tape shows zoning issues, as the subject property falls under the C-X commercial district zone. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $6247.95 | 09/23/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1634.16 | 8.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 733 | Not Applicable | 47.407% | Second | Final policy | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,634.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,634.81 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $214,800.52. | Collections Comments:According to the servicing comments, the current status of the loan is in performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $214,800.52.<br> According to the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 11.25 years on the job as a real estate broker with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects a mortgage broker fee of $X,XXX.XX. CD dated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows credit deficiency. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX.XX years on the job as a real estate broker with xx, FICO XXX, and $XXXK equity in the subject. Review shows ATR confirmed." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9697.17 | 10/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $5610.57 | $7519.20 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 4 Family | xx | xx | Investor | Yes | Yes | No | 763 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a Delaware limited liability company.<br> No active judgments or liens were found.<br> The Xst and Xnd county taxes for XXXX-XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,751.45 (xx), which was applied for the due date of xx/xx/2025. The current interest-only payment is $5,610.57 with an interest rate of 6.880%. The current UPB reflected as per the payment history is $979,300.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $979,300.00.<br> As per the tape, the subject property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR is an LLC, and the subject loan was approved as DSCR<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Loan does not conform to program guidelines (xx)&nbsp;&nbsp;&nbsp;&nbsp; "BWR is an xxfile show that the note was signed only as a member of the LLC and not in individual names." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 10/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2806.07 | 4.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 651 | Not Applicable | 46.932% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a credit card judgment against the borrower xx, N.A., which was recorded on xx/xx/XXXX. The amount of the judgment is not mentioned on the supportive document.<br> The annual installment of school and county taxes for XXXX has been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,333.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,806.24 with an interest rate of 4.125%. The current UPB reflected as per the payment history is $539,360.11. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $539,360.11.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2 months on the job as a cybersecurity engineer at xx. Additionally, BWR has 7 years on the second job as a network engineer at xx. xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan closed with xx,XXX.XX. Thrive was unable to secure a more cost-effective MI option, and the loan ultimately remained uninsured. Further details not provided." | \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx.XX%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5323.61 | 10/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2440.45 | 2.500% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 778 | Not Applicable | 45.599% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in Book xx at Page xx in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The water/sewer charges for the year XXXX are delinquent in the amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,065.23 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,440.45 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $270,701.47. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $270,701.47.<br> Unable to determine the reason for the default.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 8.25 years on the job as a secretary at xx. Additionally, BWR has 12.58 years on the second job as a teacher at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxseller's tape data shows the borrower xx on time, and it was then returned due to insufficient funds and paid again on XX/X/XX. The borrower xx. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XXX,XXX.XX." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows income miscalculation. xxis XX.XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a secretary at xx, FICO XXX, XXXX in the last XX months, $XXXK equity in the subject, and $X,XXX residual income."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as the loan has a qualified mortgage DTI of XX.XX%, as the borrowers' income is $X,XXX.XX, and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by xx, and its recommendation is "xxwith a DTI of XX.XX%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8847.84 | 10/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1188.89 | 2.375% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | No | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 807 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utilities/MUD charges for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utilities/MUD taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,239.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,188.89 with an interest rate of 2.375%. The current UPB reflected as per the payment history is $272,034.38. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $272,034.38.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan is streamline refinance.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan does not meet the xxseasoning period requirement of XXX days. Further details not provided." | \* Appraisal incomplete (xx) (xxloan closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated amount at $XXXK. Current UPB is $XXXK."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $5566.90 | 10/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $961.71 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 784 | Not Applicable | 43.132% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of utilities/MUD charges for XXXX is due in the amount of $XX.XX on xx/xx/XXXX.<br> The annual installment of utilities/MUD charges for XXXX was paid in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,463.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $961.71 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $183,617.08. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $183,617.08.<br> As per the tape, the occupancy of the subject property is a secondary home.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3 years on the job as a regional manager at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows a non-warrantable condo. Further details not provided. xxfile does not provide further details. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Reason for finance charge under disclosure is unknown as the fee itemization is missing.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx.XX%." |  | Moderate | Not Covered | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6001.73 | 10/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1090.95 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 664 | 709 | 48.760% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,878.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,090.95 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $213,084.67. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $213,084.67.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.33 years on the job as a guest advocate with xx.<br> BWR2 has 1.58 years on the job as a style consultant with xx.<br> BWR3 has been SE for 4.41 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX.<br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx.XX%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $6772.25 | 10/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1687.64 | 2.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 621 | 639 | 24.559% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX at Book xx, Page xx in the amount of $xx with xx.<br> There are two active municipal liens against the subject property in favor of xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX. The lien amount is not provided on the documents.<br> There is a prior civil judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> There is an IRS lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> There is a state tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> There are two credit card judgments against the borrower xx and xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX, in the total amount of $X,XXX.XX.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,610.27 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,687.64 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $371,274.92. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $371,274.92.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BMR has been SE for 3.83 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxapproved at XX.XX%. Lender allowed the loan to close with a DOB that did not match the xxdefect. Subject originated X/XX/XX and the X year SOL has expired. BWR has X years on the job xxlast XX months. $XXK equity in subject."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX.<br> Loan estimate dated xx/xx/XXXX reflects xx.XX. CD dated xx/xx/XXXX reflects xx.XX.<br> This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* MI, xxmissing and required (xxinsurance certificate is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $5203.67 | 03/31/2025 | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1088.97 | 5.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 729 | Not Applicable | 37.743% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of school and county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of school and county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,686.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,042.84 with an interest rate of 5.125%. The current UPB reflected as per the payment history is $181,806.67. | Collections Comments:According to the servicing comments, the current status of the loan is in foreclosure.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $181,806.67.<br> As per the collection comment of xx/xx/2025, the RFD is excessive obligations.<br> As per the collection comment of xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan in 2025. As per the comment dated xx/xx/2025, the step sale is scheduled for xx/xx/2025. Further details not provided.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 5 months on the job as a tutor with xx. BWR has prior employment experience as a XXXX with the xxbetween xx/xx/2017 and xx/xx/2017 for 6 months and health educator with the xxbetween xx/xx/2014 and xx/xx/2015 for 1.5 years.<br> Foreclosure Comments:As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan in 2025. As per the comment dated xx/xx/2025, the step sale is scheduled for xx/xx/2025. Further details not provided.<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage with a xx,088.97, a rate of interest of 5.12500%, and a maturity date of xx/xx/2049. xxper payment history is $1,042.84, and the rate of interest is 5.125%. There is a difference in xxwith respect to the note. The modification agreement is missing from the loan file. |  | xx | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (xx)<br> \* Property type is inconsistent with the tape (xx) |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows income miscalculation, as YTD earnings did not support qualifying income. xxis XX.XX%. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X months on the job as a tutor with a GMAT instructor, FICO XXX, $XXK equity in the subject, and $X,XXX residual income."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID Violation due to decrease in xxon xxdated xx/xx/XXXX. xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is decrease of +$xx for fee which has X% tolerance test. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4052.17 | 09/26/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1342.26 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 659 | 679 | 37.684% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,842.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,342.26 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $271,756.20. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $271,756.20.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the RFD is excessive obligations.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 3 years on the job as a truck driver with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> Transmittal (xx) | xx | 4: Unacceptable | \* xxrequired by guidelines (xxreport is missing from the loan documents." |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows the lender did not establish xxdetails not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X years on the job as a truck driver with xx, FICO XXX, and $XXXK equity in the subject."<br> \* Missing proof of hazard insurance (xx) is xxis missing from the loan file." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | 10/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3683.62 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 697 | 770 | 35.357% | First | Short Form Policy | Not Applicable | Not Applicable | 12/30/2022 | Unavailable | Not Applicable | 7.250% | $3683.62 | 02/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,347.88 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,683.62 with an interest rate of 7.25%. The current UPB reflected as per the payment history is $516,051.32. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $516,051.32.<br> Unable to determine the reason for default.<br> The loan was modified on xx/xx/2022.<br> As per tape data, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2025, the subject property is damaged due to hail. No comments were found regarding the estimated cost and completion of repairs.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 3.75 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx, III, and xx, and the lender, xx, on xx/xx/2022. Unable to determine the modified principal balance. The monthly xxis $3,683.62 with an interest rate of 7.250% beginning on xx/xx/2023 and a maturity date of xx/xx/2053. There is no deferred balance and no principal forgiven amount. | Missing or error on the xx | xx | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (xxfinal CD dated xx/xx/XXXX reflects an escrow holdback in the amount of $XXX,XXX.XX. Proof for the release of the escrow holdback is missing from the loan documents." | \* xxshows the subject loan exceeds the APR threshold test. Further details not provided. xxreport shows the loan failed the HPML test."<br> \* xxfailed the xxpublic guidelines) xxtest due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%." | \* xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed the qualified mortgage threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4796.81 | 10/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1269.28 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 765 | 753 | 33.236% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water taxes for XXXX is due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,253.39 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,269.28 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $264,367.71. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $264,367.71.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.75 years on the job as an assistant band director at xx.<br> BWR2 has 3.25 years on the job as a fine art teacher at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxtape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XXXxx, with a sales price of $XXXK, is closest to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3140.26 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1025.77 | 3.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 728 | Not Applicable | 38.234% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with an instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utility charges for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utility charges for XXXX is due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,473.39 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,025.77 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $198,400.03. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $198,400.03.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.25 years on the job as a tax associate with xx. Previously, BWR was a student with xx.75 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show BWR was charged an MCC fee, and MCC documents were not sent to the closing department. BWR was refunded the MCC fee, and AUS is approved/eligible after removal of MCC fees."<br> \* xxshows the subject condo is a non-warrantable project. Review of the file shows the appraisal report is as is, and the condo questionnaire does not reflect any damage or repairs. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB $XXXK." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $84.45 | $606.52 | 09/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $596.08 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 692 | Not Applicable | 22.524% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> For xx<br> The first installment of county taxes for XXXX was paid in the amount of $XXX.XX on xx/xx/XXXX.<br> For xx<br> The first installment of county taxes for XXXX was delinquent in the amount of $XX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,007.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $596.08 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $123,206.36. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $123,206.36.<br> As per the comment dated xx/xx/2025, the reason for the default is illness of the borrower.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 5.08 years on the job as an operations manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows lender closed the loan based on altered income docs. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as an operations manager with xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject."<br> \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $X,XXX.XX." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2743.89 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1024.05 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 722 | Not Applicable | 49.669% | First | Short Form Policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior mortgage against the subject property originated on xx/xx/XXXX in favor of the xx, a public corporation, in the amount of $xx which was recorded on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water charges for XXXX is due in the amount of $XXX.XX, which is good through xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $1,024.05 with an interest rate of 7.125%. The current UPB reflected as per the tape data is $152,000.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape data is $152,000.00.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2 years on the job as an electrician at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject loan is a Florida housing bond loan classified as a xx. The loan was delivered with xx, as the LQA findings were obtained post-closing. Further details not provided."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2178.31 | 10/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3646.31 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | 4 Family | xx | xx | Primary | Yes | Yes | No | 732 | Not Applicable | 34.157% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx., DBA xx<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,254.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,646.31 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $527,532.28. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $527,532.28.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.91 years on the job as an engineer at xx. Previously, BWR had 6.91 years on the job as an assistant research engineer at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xx) guideline applicable to a X-X unit primary residence. Further details not provided. Subject loan originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $646.56 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $458.68 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 733 | 765 | 39.177% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx., DBA xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $625.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $458.68 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $65,047.47. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $65,047.47.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property occupancy is stated as an investor.<br>BWR1 has 4.16 years on the job as a sales manager at xx. <br> BWR2 has 2.33 years on the job as an account manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (xx) |  | \* ATR - Unable to determine borrower's xxis NOO and approved at XX.XX%. Tape shows the BWR was employed by a family member. Subsequently, the BWR changed from xx, and miscalculation of income. xxis XX%. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a sales manager at xx. BWRX has X.XX years on the job as an account manager at xx, FICO XXX, XXXX since inception, $XXK equity in the subject, and $X,XXX residual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1763.96 | 11/06/2025 | Not Applicable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $669.54 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 759 | Not Applicable | 49.644% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual Xst & Xnd installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX & xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,087.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $669.54 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $109,250.27. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $109,250.27.<br> As per the comment dated xx/xx/2025, the reason for default is payment dispute.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan in 2025. The complaint was filed on xx/xx/2025. Further details are not provided. <br> No post-close bankruptcy record has been found.<br> BWR has 6 months on the job as a lead technician at xx. Additionally, BWR has been SE for 1 year at xx, BWR had multiple jobs in the last two years in the same line of work.<br> Foreclosure Comments:As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan in 2025. The complaint was filed on xx/xx/2025. Further details are not provided. <br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows - xxre-purchase obligation triggered. Loan XXX+ days late prior to completion. Project completed May XXXX. xxis XXX. Loan due for xx/xx/XXXX. Further details are not provided. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX." | \* xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx)."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xxpg#xx.XX%." |  | Elevated | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $8606.24 | 11/14/2025 | xx | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1919.51 | 3.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 781 | Not Applicable | 32.405% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There is a state tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX. <br> The Xst installment of county taxes for XXXX/XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The water charges for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,726.53 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,919.51 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $363,584.47. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $363,584.47.<br> As per the comment dated xx/xx/2025, the reason for default is excessive obligations.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> As per the updated title report of xx/xx/2025, the foreclosure was initiated on the loan in 2025. As per the notice of lis pendens located at "Ln#xx." The complaint was filed on xx/xx/2025 and recorded on xx/xx/2025. As per the comment dated xx/xx/2025, the foreclosure was removed due to reinstatement. No further details have been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7 months on the job as a general manager at xx. Previously, BWR had 17.5 years on the job as an operating manager at the xx<br> Foreclosure Comments:As per the updated title report of xx/xx/2025, the foreclosure was initiated on the loan in 2025. As per the notice of lis pendens located at "Ln#xx." The complaint was filed on xx/xx/2025 and recorded on xx/xx/2025. As per the comment dated xx/xx/2025, the foreclosure was removed due to reinstatement. No further details have been found.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows a renovation repurchase obligation was triggered, as the loan became XXX+ days delinquent prior to completion of the renovation work. The renovation was completed on xx/xx/XXXX. The loan was XXX days DLQ in the past XX months, was previously on forbearance, and is now current. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XXX,XXX.XX." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired.<br>TRID total of payment disclosed on final CD as $XXX,XXX.XX. Calculated total of payments is $xx for an under disclosed amount of -$X,XXX.XX. The disclosed total of payments of $xx is not considered accurate because it is understated by more than $XXX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. LE dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. LE dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. LE dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. LE dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX.<br> LE dated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is a cumulative increase in fee of $xx for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1581.28 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3158.06 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 752 | 776 | 44.048% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first installment of city taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of city taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,866.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,158.06 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $461,726.46. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $461,726.46.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per tape, the subject property occupancy is stated as an investor.<br> BWR2 has 3.08 years on the job as a franchise development rep with xx. <br> BWR3 has 11.91 years on the job as a production worker with xx.<br> BWR4 has been SE for 4.41 years at xx<br> BWR5 has 15.16 years on the job as a software engineer with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Property type is inconsistent with the tape (xx) |  | \* ATR - Unable to determine borrower's xxloan is NOO and was approved at XX%. Tape shows income miscalculation. xxis XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a franchise development rep with xx. BWRX has XX.XX years on the job as a production worker with xx. BWRX has been SE for X.XX years at T&T Nails and Spa. BWRX has XX.XX years on the job as a software engineer with xx., FICO XXX, XXXX since inception, $XXXK equity in the subject, and $xx residual income." |  | Moderate | Pass | Fail | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4362.74 | 09/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1573.78 | 5.250% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 767 | 823 | 27.760% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx dba xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,310.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,573.78 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $282,005.85. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $282,005.85.<br> As per the seller's tape, the subject property occupancy is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security income.<br> BWR receives retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the xx,XXX.XX. CD dated xx/xx/XXXX reflects xx,XXX.XX. The loan estimate dated xx/xx/XXXX reflects the xx,XXX.XX. CD dated xx/xx/XXXX reflects xx,XXX.XX. The loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. CD dated xx/xx/XXXX reflects xxfee at $X,XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the SOL is X years.<br>Loan failed charges than in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and Recording fee at $X,XXX.XX.CD dated xx/xx/XXXX reflects the sum of xxfee at $X,XXX.XX. This is a cumulative increase of +$XXX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents.<br> The subject loan is a refinance, originated on xx/xx/XXXX, and the SOL is X years."<br> \* xxproceed is missing from loan documents."<br> \* Loan does not conform to program guidelines (xxshows the loan does not meet the GNMA seasoning requirement. Further details not provided."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5114.82 | 10/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4658.52 | 6.250% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 634 | 798 | 53.476% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx dba xx<br> There are three prior child support liens in favor of different plaintiffs, which were recorded on different dates. The amount of liens is not mentioned on the supportive documents. xxmentioned on the supportive documents is inconsistent with the borrower's SSN.<br> There is one prior civil judgment and one prior credit card judgment in favor of the xx, xx, and xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX. xxmentioned on the supportive documents is inconsistent with the borrower's SSN.<br> The Xst and Xnd installments of county taxes for XXXX-XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,215.98 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,658.52 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $752,972.94. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $752,972.94.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 receives VA benefits.<br> BWR2 has 6.08 years on the job as an incident management specialist with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation in charges that cannot increase the test due to the increase of the fee in the final CD dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects a points-loan discount fee at $X,XXX.XX. The final CD dated xx/xx/XXXX reflects xx,XXX.XX. This is a fee increase of +$X,XXX.XX for the X% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL is X years expired."<br> \* Loan does not conform to program guidelines (xxshows the loan does not meet GNMA seasoning guidelines.. Further details are not provided."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $56.00 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2209.74 | 6.990% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 660 | 664 | 49.966% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx dba XXXX.<br> No active judgments or liens have been found.<br> For parcels #xx<br> The Xst installment of county taxes for XXXX has been paid in the total amount of $XX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the total amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,529.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,209.74 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $242,865.59. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $242,865.59.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 4 months on the job as a registered nurse at xx. Previously, BWR1 had 2.33 years on the job as a registered nurse at xx.<br> BWR2 has 6 months on the job as an ironworker at xx. BWR2 had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the income used to qualify the borrower xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR X has X months on the job as a registered nurse at xx. BWRX has X months on the job as an ironworker at xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2400.43 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1370.46 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 811 | Not Applicable | 40.998% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx dba xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is an overpayment in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,610.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,370.46 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $195,854.54. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $195,854.54.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 1.83 years on the job as a laboratory scientist with xx. Previously, BWR had 3 months on the job as a chemistry fusion medical staff member with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* xxborrower's intent to proceed is missing from the loan documents."<br> \* xxis missing from the loan documents."<br> \* xxtape shows the subject condo project is ineligible to deliver the xxdue to missing condo project approval. Further details not provided. Review of the condo questionnaire does not show any repair work or damage to the subject condo project. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK." |  |  | Minimal | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1453.00 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $737.74 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 756 | Not Applicable | 46.470% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> LLC dba xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of city taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of city taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $951.03 (xx), which was applied for the due date of xx/xx/2025. The current xxis $737.74 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $110,724.91. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $110,724.91.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 8 months on the job as a hub driver with xx. Previously, BWR had 11 months on the job as a school bus driver with xx. Prior to that, BWR had 4.33 years on the job as an associate with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxsubject loan was closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated value at $XXXK. Current UPB is $XXXK."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows the lender was unable to qualify the BWR due to insufficient income documentation. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a hub driver with xx, FICO XXX, XXXX since inception. Review shows ATR confirmed" |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1100.10 | 10/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1704.52 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Modular Housing | xx | xx | Primary | Yes | Yes | No | 791 | 797 | 36.623% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, book #xx, pg. #xx, in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> Parcel #xx<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,968.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,704.52 with an interest rate of 5.625%. The current UPB reflected as per the payment history is $292,439.09.<br> . | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $292,439.09.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 receives VA benefits as non-educational income.<br> BWR2 has been SE for 25.16 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows Lender missed an REO mortgage. Lender defect. Further details are not provided. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX receives VA benefits. BWRX has been SE for XX.XX years at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3383.35 | 10/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2465.07 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 793 | Not Applicable | 38.393% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,848.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,465.07 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $389,647.43. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $389,647.43.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has 2 months on the job as a sales manager with xx. BWR1 had prior employment experience as a sales manager with xx.5 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows income and employment misrepresentation, as BWR did not disclose he owns the company. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a sales manager with xx, FICO XXX, and $XXXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 09/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5003.26 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 705 | Not Applicable | 49.549% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been exempted.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,876.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,003.26 with an interest rate of 7.250%. The current UPB is $732,853.86. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $732,853.86.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7 months on this job as a technical architect with xx. Previously, BWR had 2.25 years on this job as a technical associate with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxexcluded a debt. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx, FICO XXX, $X,XXX residual income and $XX.XK equity in the subject property." | \* XX TILA Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID total of payment disclosed on final CD as $X,XXX,XXX.XX. Calculated total of payments is $xx for an under disclosed amount of -$XX,XXX.XX. The disclosed total of payments of $xx is not considered accurate because it is understated by more than $XXX.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xx). xxreflects seller credit of $X,XXX.XX. Further details not provided."<br> \* xxclosing disclosure is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $5035.62 | $4704.88 | 09/17/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4967.70 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 819 | Not Applicable | 28.798% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> The third and fourth installments of county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> The first and second installments of county taxes for XXXX are delinquent in the total amount of $X,XXX.XX, which are good through xx/xx/XXXX. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,967.70 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,967.70 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $752,956.71. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $752,956.71.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property occupancy is stated as second home.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has been SE for 9 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape shows xxborrower xx and then caught up. According to the payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $XXX,XXX.XX. Review shows ATR confirmed." |  |  | Minimal | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $0.00 | 10/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $648.60 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Co-op | xx | xx | Primary | Yes | Yes | No | 693 | Not Applicable | 49.125% | First | Unavailable | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The subject property is a unit in a co-op.<br> According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX in the amount of $xx with xx, a limited liability company.<br> There are two UCC mortgages against the subject property. The first UCC mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, and the second UCC mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> The annual installment of county taxes for XXXX is exempt.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $718.10 (xx), which was applied for the due date of xx/xx/2025. The current xxis $648.60 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $98,698.95. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $98,698.95.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 19.25 years on the job as a mechanic at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> Mortgage | xx | 4: Unacceptable | \* Mortgage missing / unexecuted (xxper tape data, the subject mortgage was originated on xx/xx/XXXX by the borrower, xx. The mortgage was not recorded. The unrecorded copy of the mortgage is not available in the loan file. The subject is an LH in a co-op in NYC." | \* Missing or error on the xxlock provided expired on xx/xx/XXXX and the loan closed on xx/xx/XXXX. No lock extension found."<br> \* xxshows a non-warrantable condo. Condo questionnaire in file does not provide further details. Redfin search shows an estimated value of $XXXK. Current UPB is $XXK."<br> \* xxis xxsubject loan originated on xx/xx/XXXX with a maturity date of xx/xx/XXXX. As per the lease agreement located at "XXXXXXXXXXXXXX_xx," the ground lease is held by xx., a xxcorporation, and the leasehold expires on xx/xx/XXXX." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6085.17 | 10/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2783.74 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 800 | Not Applicable | 35.726% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,659.63 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,783.74 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $420,702.58. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $420,702.58.<br> As per the comment dated xx/xx/2025, the reason for default is stated as the borrower xx.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the comment dated xx/xx/2025, the subject property is tenant occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 5.25 years on the job as a CEO at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape shows xxborrower xx and then caught up. According to the payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $XXX,XXX.XX. Review shows ATR confirmed." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $2007.92 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $889.31 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 788 | Not Applicable | 40.870% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $889.31 with an interest rate of 7.125%. The current UPB reflected as per the tape data is $131,027.10. | Collections Comments:The current status of the loan is performing.<br> According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $131,027.10.<br> Unable to determine the reason for the default.<br> As per seller's tape, the subject property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.75 years on the job as a design consultant at 3 xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxtape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XXXxx, with a sales price of $XXXK, is closest to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $130.40 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3936.97 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 759 | 754 | 49.394% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX was paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,936.97 with an interest rate of 6.875%. The current UPB reflected as per the tape data is $597,780.89. | Collections Comments:The current status of the loan is performing.<br> According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape data is $597,780.89.<br> As per the tape, the subject property is owner-occupied.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 13 years at xx<br> BWR2 receives social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> Transmittal (xx) | xx | 3: Curable |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br> Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Transmittal (xx) is xxsummary is missing from the loan documents." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxshows, IRS repayment obligation in xxabove tolerance. Further details not provided. Lender defect. xx.XX%. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been SE for XX years at Berkshire Hathaway HomeServices ROC. BWRX receives social security and retirement income, FICO XXX, and $XXXK equity in the subject." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1523.93 | 09/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1529.33 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 754 | Not Applicable | 47.412% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of MERS as nominee for xx, in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument # xx.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,870.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,529.33 with an interest rate of 6.875%. The current UPB, reflected as per the payment history, is $232,209.89. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB, reflected as per the payment history, is $232,209.89.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 9.66 years on the job as a practice lead at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxallowed the loan to close with a letter from the BWR and non-purchasing spouse stating they intend to separate. No evidence was provided to confirm the BWR would not be subject to pay child support/alimony. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx, FICO XXX, $X,XXX in reserves. XXXX since inception." | \* xxfailed the xxpublic guidelines) xxtest due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XXX.XX.<br>Loan failed the xxtest due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* Loan does not conform to program guidelines (xxseller tape defect shows due to an LOX signed by the borrower xx, deemed this loan high risk due to the possibility of future alimony/child support payments, which could affect the ratios. Further details not provided." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1221.06 | 09/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $572.66 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 740 | Not Applicable | 42.440% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active junior mortgage against the subject property in favor of the xxamount of $X,XXX.XX, which was recorded on xx/xx/XXXX.<br> The Xst and Xnd annual installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $755.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $572.66 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $81,274.78. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $81,274.78.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3 years on the job as a crew trainer with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xx). xxreflects seller credit of $X,XXX.XX. Further details not provided."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8345.40 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1841.88 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 787 | Not Applicable | 44.299% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page # xx.<br> No active judgments or liens have been found.<br> The Xst installment of town taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of town taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,552.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,841.88 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $262,500.51. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $262,500.51.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.66 years on the job as a vice president of business development at xx. Additionally, the BWR has been SE for 7.08 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (xxshows BWR only had X.XX months reserves, guidelines required X months. Bank statements in the file show $XXXK; gift assets verified of $XXK supported by gift letter satisfy the cash-to-close requirement of $XXXK at closing. Further details not provided. Review shows ATR confirmed." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1072.83 | 09/19/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1572.85 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 758 | Not Applicable | 34.563% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior mortgage against the subject property originated on xx/xx/XXXX in favor of the xxamount of $xx which was recorded on xx/xx/XXXX.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,872.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,572.85 with an interest rate of 6.750%. The current UPB is $240,374.20. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $240,374.20.<br> No details pertaining to the damage to the subject property have been observed.<br> According to the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 6.25 years on the job as a market development coordinator at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to the borrower xx,XXX.XX." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $882.08 | 09/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1231.43 | 6.250% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 705 | Not Applicable | 29.124% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX are due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,445.26 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,231.43 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $198,846.49. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $198,846.49.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows in VA refinance loans, there should be a waiting period, or gap, of XXX days between the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. On this loan, the waiting period is not satisfied."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* xxis "xxloan failed loan origination fee test due to fee charged $X,XXX.XX fee threshold by $X,XXX.XX, over by +$X,XXX.XX. <br> Below fees were included:<br> XXXX xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4190.64 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $840.34 | 5.750% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 733 | 764 | 32.432% | First | Short Form Policy | Not Applicable | Not Applicable | 11/15/2024 | $144001.00 | Not Applicable | 5.750% | $840.35 | 01/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> The Xst installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd, Xrd, and Xth installments of combined taxes for XXXX were due in the total amount of $X,XXX.XX on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,300.42 (xx), which was applied for the due date of xx/xx/2025. The current xxis $840.35 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $141,440.97. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $141,440.97.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR receives VA benefits and retirement income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2024. As per the modified term, the new principal balance is $144,001.00. The monthly xxis $840.25 with an interest rate of 5.750% beginning on xx/xx/2025 and a maturity date of xx/xx/2054. There is no deferred balance and principal forgiven amount. | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan does not have a xxloan amount should be greater than $xx if the veteran is using additional entitlement and not restoring entitlement for an existing VA loan. The subject loan amount is $XXX,XXX.XX. xxindicates there is a compromise on a previous loan. Further details not provided."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* xxloan failed loan origination fee test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX. <br> Below fees were included:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XXX.XX." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2256.00 | 09/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1187.11 | 6.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 762 | 781 | 49.914% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst and Xnd installments of combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd and Xth installments of combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,187.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,187.11 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $197,405.70. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $197,405.70.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 receives dividend interest income.<br> BWR2 has 6 years on the job as a resident physician with the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxfailed the xxpublic guidelines) xxtest due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX.<br>Loan failed the xxtest due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* Loan does not conform to program guidelines (xxshows LP was run after the credit report expired. The file shows the credit report dated xx/xx/XXXX was XXX days old on the closing date and not expired at the time LP was run. Further details not provided."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5278.81 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1160.33 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 778 | 795 | 38.608% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,703.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,160.33 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $165,288.47. | Collections Comments:According to the servicing comments, the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB, reflected as per the payment history, is $165,288.47.<br> As per the seller's tape, the subject property occupier is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 2.41 years on the job as an associate with xx. Additionally, BWR1 has 6 years on the job as an associate professor with xx. BWR2 has 3.25 years on the job as a lead software DE engineer in test with 24 xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan is NOO and was approved at XX.XX%. Tape shows the lender did not obtain supporting documentation to verify REO mortgage PITI and HOA expenses. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as an associate with xx.; BWRX has X.XX years on the job as a lead software DE engineer in test with XX xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. Review shows ATR confirmed." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5305.95 | 10/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $823.72 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 654 | Not Applicable | 49.369% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $823.72 (xx), which was applied for the due date of xx/xx/2025. The current xxis $823.72 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $126,334.63. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $126,334.63.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives VA benefits income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxfile subject initially stated as a xx, and the appraiser did not obtain the xxscore result for the subject property. The loan closed as conventional, and the appraiser is non responsive. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $499.00 | 10/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1746.25 | 6.875% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 779 | 772 | 47.343% | First | Final policy | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,050.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,746.25 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $260,795.87. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $260,795.87.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 5 years on the job as an xx.<br> BWR2 has 4.83 years on the job as a teacher in 1st grade with xx.<br> BWR3 has 21.91 years on the job as a scale operator with xx, and BWR3 also receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show BWR does not meet any of the X FHA policy exemptions, as the BWR already had X FHA loans on the REO property."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1496.00 | 10/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $576.62 | $1397.00 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 764 | 781 | 16.538% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx,XXX.XX with xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd instalments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,580.83 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,397.00 with an interest rate of 7.750%. The current UPB reflected as per the payment history is $193,277.90. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $193,277.90.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner occupied.<br> The appraisal report dated xx/xx/2023 is subject to completion/repairs due to the completion of construction. As per the servicing comment dated xx/xx/2023, the subject property had some damages. No details were found regarding type of damage or estimated cost of repairs.<br> BWR1 has 9.91 years on the job as a claims specialist with xx.<br> BWR2 has 5.25 years on the job as an equipment operator with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* xxis "xxloan fails the xxpoints and fees test due to fees charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. xxdated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to fees charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* Loan does not conform to program guidelines (xxshows the subject loan did not requalify at the time of conversion of construction to a permanent loan due to updated credit documents. No updated credit documents in the loan file. Further details are not provided."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* Missing proof of hazard insurance (xxhazard insurance is missing from the loan documents." | \* xxtest xxloan failed the higher-priced mortgage loan test (xx)(xx)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx), and (xx)."<br> \* Property is xxappraisal report shows the type of subject property as a manufactured home. The affixation affidavit available in the loan file located at (xx. xxrider is attached to the mortgage. Also, the xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $0.00 | 09/22/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $951.29 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Co-op | xx | xx | Primary | Yes | Yes | No | 709 | Not Applicable | 48.505% | First | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The subject property is a unit in a co-op.<br> According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX for the amount of $XXX,XXX.XX.<br> There is an active UCC mortgage against the subject property in favor of xx, which was originated and recorded on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been exempted.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,025.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $951.29 with an interest rate of 7.125%. The current UPB reflected as per the payment history, is $140,158.65. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB, reflected as per the payment history, is $140,158.65.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> BWR has 2.33 years on the job as an xx.<br> Additionally, BWR has 1 year on the job as an xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxis "xxloan fails the qualified mortgage lending policy points and fees test due to fees charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX. The below fees were included in the test: xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $XXX.XX xxpaid by Borrower: $X,XXX.XX"<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to fees charged $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX. The fees below were included in the test: xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $XXX.XX xxpaid by Borrower: $X,XXX.XX"<br> \* xxis xxsubject loan originated on xx/xx/XXXX with a maturity date of xx/xx/XXXX. As per the lease agreement located at "xx,"the lease terms started from xx/xx/XXXX until xx/xx/XXXX." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2558.66 | 10/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $827.71 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 739 | 787 | 0.611% | First | Short Form Policy | Not Applicable | Not Applicable | 06/24/2024 | $192937.66 | Not Applicable | 2.875% | $676.86 | 08/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx. <br> No active judgments or liens have been found. <br> The first and second installments of county taxes for XXXX/XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,091.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $676.86 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $189,431.68. | Collections Comments:According to the servicing comments, the loan is currently performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $189,431.68.<br> As per the comment dated xx/xx/2024, the RFD is excessive obligation.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 4.16 years on the job as a grower relations manager at xx.<br> BWR2 has 3.83 years on the job as a field laborer at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx., on xx/xx/2024. As per the modified term, the new principal balance is $192,937.66. The monthly xxis $676.86 with an interest rate of 2.875% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no deferred balance and principal forgiven amount. | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows, "Prior to the mod completed on X/X/XX, the loan was due for X/X/XX and had X lates in the last XX months." The modification agreement was made between the borrowers and the lender on xx/xx/XXXX. As per the modified term, the new principal balance is $XXX,XXX.XX. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XXX,XXX.XX." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows lender was unable to verify BWR employment. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as a grower relations manager at xx. BWRX has X.XX years on the job as a field laborer at xx, FICO XXX, and $XXK equity in the subject."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and Recording fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of xxfee at $X,XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX.<br>Loan fails xxpoints and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX%, as the borrowers'/ borrower's income is $X,XXX.XX, and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4041.24 | 09/26/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3020.97 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 784 | 807 | 49.954% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The first installment of city taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second, third, and fourth installments of city taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,800.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,020.97 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $481,335.49. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $481,335.49.<br> As per the comment dated xx/xx/2024, the subject property was damaged due to mold. The estimated cost to repair is not available in the collection comments. No status of repairs or completion.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.25 years on the job as a XXXX with xx. Previously, BWR had 1.33 years on the job as a XXXX at xx.33 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxfile review indicate that the appraisal report was made subject to completion of renovations. Tape shows major interior renovations performed and property is XX% complete. xxreflects an escrow holdback in the amount of $XXXK, and an updated XXXXD, or inspection report confirming completion of the renovations, is missing from the loan documentation."<br> \* Loan has escrow holdback. No proof it was released (xxreflects an escrow holdback in the amount of $XXXxxshows renovation is XX% complete. Proof of release for the remaining $XXK is missing from the loan document." | \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xx<br> xxpaid by Borrower: $X,XXX.XX.<br>Loan fails xxpoints and fees test due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xx<br> xxpaid by Borrower: $X,XXX.XX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. CD dated xx/xx/XXXX reflects xx,XXX.XX.<br> Loan estimate dated xx/xx/XXXX reflects xx.XX. CD dated xx/xx/XXXX reflects xx,XXX.XX.<br> This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2419.92 | 10/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1904.20 | 6.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 667 | 719 | 39.656% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,201.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,904.20 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $307,695.02. | Collections Comments:According to the servicing comments, the loan is currently performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $307,695.02.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 8 months on the job as an associate at xx. BWR1 had multiple jobs in the last 2 years.<br> BWR2 has 1.58 years on the job as a teacher at the Dinwiddie County School Board. BWR2 had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows the loan is uninsurable by the FHA as the subject loan does not meet the seasoning period requirements between the last transaction of the property and the subject loan. The review of the appraisal report shows the date of the prior transaction of the subject was xx/xx/XXXX with a sales price of $XXXK and the subject loan closed on xx/xx/XXXX with an appraised value of $XXXxxdetails not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12234.07 | 10/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5111.00 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 722 | Not Applicable | 40.517% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are two prior civil judgments found against the borrower xx and xx, in the total amount of $xx which were recorded on xx/xx/XXXX.<br> The Xst and Xnd installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of school taxes for XXXX-XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,302.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,111.00 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $738,870.38. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $738,870.38.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property occupancy is owner-occupied.<br> BWR has been SE as a driver for 6.41 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (xx) | \* Loan does not conform to program guidelines (xxsubject loan was closed as a xx. Tape shows the loan is unsalable, as the xxstatement was signed by an individual with a PTIN who is not a CPA, EA, or xxprogram requirements, the xxmust be signed by a qualified CPA, EA, or xxdetails not provided. Subject loan originated on xx/xx/XXXX, and $XXXK equity in the subject."<br> \* xxapplication is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $547.81 | $1081.20 | 09/26/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1786.89 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 808 | 811 | 46.084% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a California limited liability company.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX. <br> The second installment of county taxes for XXXX is delinquent in the amount of $XXX.XX on xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,065.34 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,786.89 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $274,165.91. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $274,165.91.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR qualified using an offer letter as a mechanic at xx. Additionally, BWR has been SE for 5 years at xx, BWR had 12.5 years on the job as a lead xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* xxmissing; loan has escrows (xxinitial escrow account disclosure signed by the borrower xx."<br> \* xxproceed is missing from loan documents." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the lender did not establish the BWR's capacity to repay, as the new job offer letter did not specify annual income based on non-fluctuating earnings. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR qualified using an offer letter as a mechanic at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. Review shows ATR confirmed."<br> \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX, reflects cash to in the amount of $XXX.XX."<br> \* Property is xxper the appraisal report, which is located at "xx" the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at "Ln#xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1251.96 | 10/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2587.91 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 759 | 788 | 33.958% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,897.75 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,587.91 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $396,554.30. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $396,554.30.<br> As per the comment dated xx/xx/2025, the reason for default is the death of the mortgagor's family member.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 8.75 years on the job as a xx with xx.<br> BWR2 has 2.75 years on the job as a laborer with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxappraisal report in the loan file is as is. The tape and photo addendum show repairs due to watermarks in the laundry room ceiling. The estimated cost to cure is not available in the loan file. XXXXD, or an engineer inspection report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* xxmissing; loan has escrows (xxescrow account disclosure is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1141.89 | 10/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1894.43 | 7.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 661 | 708 | 52.821% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page # xx, a California limited liability company.<br> There is one junior mortgage against the subject property originated on xx/xx/XXXX, and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,112.97 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,894.43 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $277,166.91. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $277,166.91.<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR 1 has 1.08 years on the job as a xx.<br> BWR2 has 1.16 years on the job as a journeyman electrician with xx. Previously BWR had multiple jobs in the last two years in the same line of work.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the investor review fee. xxdated xx/xx/XXXX reflects an investor review fee of $XXX.XX. The loan estimate dated xx/xx/XXXX does not reflect the loan origination fee. xxdated xx/xx/XXXX reflects a loan origination fee at $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxmissing; loan has escrows (xxinitial escrow account disclosure is missing from the loan document."<br> \* Loan does not conform to program guidelines (xxshows the buydown was not captured correctly in the AUS and the loan received ZFHA error and the AUS was invalidated. Further details not provided. The subject loan originated on xx/xx/XXXX."<br> \* MI, xxmissing and required (xxcertificate is missing from the loan documents." | \* Cash out purchase (xx)(xx)); an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx), and (xx). (xx)" |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4300.23 | 10/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2447.20 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 791 | 755 | 43.219% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst, Xnd, and Xrd installments of combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,845.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,447.20 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $396,478.76. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $396,478.76.<br> The loan has not been modified since origination.<br> Unable to determine the RFD.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> BWR1 has 2.58 years on the job as a parent educator with xx. <br> BWR2 has 1.33 years on the job as a teacher with xx. Previously, BWR2 had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxis "xxloan fails the xxpoints and fees test due to Fees charged (xx) exceed the fees threshold of $xx by $X,XXX.XX. The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to Fees charged (xx) exceed the fees threshold of $xx by $X,XXX.XX. The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* Loan does not conform to program guidelines (xxshows Academy origination. The fees exceed the points and fees limit and could not be cured. Further details not provided." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7034.16 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3309.52 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 807 | Not Applicable | 42.607% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a California limited liability company.<br> There are three junior mortgages against the subject property in favor of the xx, a municipal corporation. The first junior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx,XXX.XX. The second junior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,940.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,309.52 with an interest rate of 5.990%. The current UPB reflected as per the payment history is $546,375.59. | Collections Comments: According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $546,375.59.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 11.08 years on the job as a project manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxproceed is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxtape show file was missing documentation used to certify the condo project is eligible. The condo questionnaire does not show any damage or repair work. The file shows an ineligible condo project, as the UW missed the $XXK annual social club membership, which is not permitted under xxguidelines. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXxxshows ATR confirmed including the condo fees." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects an appraisal re-inspection fee of $XXX.XX. xxdated xx/xx/XXXX reflects an appraisal re-inspection fee of $XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3472.15 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1164.59 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | No | Yes | 785 | Not Applicable | 48.077% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of city taxes for XXXX-XXXX has been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,515.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,164.59 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $194,612.21. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $194,612.21.<br> As per the tape, the subject property occupancy is non-owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2 months on the job as a software engineer at xx. Previously, BWR had 2.66 years on the job as an engineer with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved as NOO at XX.XX%. The tape shows lender derived income from the sale of marijuana to qualify the xxdetails not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a software engineer at xx., FICO XXX, and XXXX since inception and $XXK equity in the subject. Review shows ATR confirmed." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6442.14 | 10/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4335.13 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Secondary | Yes | Yes | No | 801 | Not Applicable | 18.750% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,900.62 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,335.13 with an interest rate of 7.50%. The current UPB reflected as per the payment history is $618,310.95. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $618,310.95.<br> As per the tape, the property occupancy is stated as second home.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 7.33 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows incurable TRID violation. Further details not provided. xxreport shows the initial closing disclosure delivery date test."<br> \* xxis "xxloan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is less than three business days before the consummation date of xx/xx/XXXX." |  |  | Elevated | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $5548.99 | 10/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $476.95 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 797 | 799 | 24.405% | Second | Final policy | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, a California limited liability company.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with instrument # xx.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $476.95 (xx), which was applied for the due date of xx/xx/2025. The current xxis $476.95 with an interest rate of 8.000%. The current UPB reflected as per the payment history is $64,192.10. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $64,192.10.<br> Unable to determine the reason for the default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR1 has 8.91 years on the job as a pipefitter trainer at the xx<br> BWR2 has 2.91 years on the job as a registered nurse at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape reflects xxpayment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $XX,XXX.XX." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $5766.09 | $7804.92 | 10/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2582.31 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 743 | Not Applicable | 47.406% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installments of county taxes from XXXX to XXXX are delinquent in the total amount of $X,XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,329.32 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,582.31 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $422,740.46, and the tape shows a deferred balance is $10,329.24. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $422,740.46.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's response, there is forbearance balance in the amount of $10,329.24.<br> As per the comment dated xx/xx/2025, the reason for default is excessive obligations.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 2.83 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Transmittal (xx) | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan is NOO and was approved at XX.XX%. Tape shows the lender did not document the BWR SE income correctly. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X.XX years at xx, xxequity in the subject."<br> \* Transmittal (xx) is xxfinal transmittal summary is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1395.02 | 10/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2042.34 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 733 | Not Applicable | 32.261% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,527.46 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,042.34 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $411,239.03. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $411,239.03.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the reason for default is payment dispute.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 15.75 years on the job as an xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (xx)<br> \* Occupancy concerns - (xxwas approved as xxshows the subject is NOO, as the subject property was listed for rent after closing. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. Tape shows the subject is NOO, as the subject property was listed for rent after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has XX.XX years on the job as an xx., FICO XXX, and $XXK equity in the subject."<br> \* xxloan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date."<br> \* xxis "Moderate" (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID total of payment disclosed on the final CD is $XXX,XXX.XX. The calculated total of payments is $xx for an under-disclosed amount of -$X,XXX.XX. The disclosed total of payments of $xx is not considered accurate because it is understated by more than $XXX."<br> \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$X,XXX.XX. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $2939.06 | $2939.06 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $494.05 | 8.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 760 | Not Applicable | 35.686% | Second | Final policy | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx, a California limited liability company.<br> There is an active prior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The annual county taxes for XXXX have been delinquent in the amount of $X,XXX.XX, which was due on xx/xx/XXXX and is good through xx/xx/XXXX. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $494.05 (xx), which was applied for the due date of xx/xx/2025. The current xxis $494.05 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $64,795.08. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $64,795.08.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has 17.5 years on the job as a senior director of professional services at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows rescission had to be reopened, as the amount financed was under-disclosed and the non-borrowing spouse has been hospitalized and did not sign the xxdetails not provided. Subject originated xx/xx/XXXX." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5320.34 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2045.71 | 7.499% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 646 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active civil judgment against the borrower xx dba xx, which was recorded on xx/xx/XXXX in the amount of $XXX,XXX.XX.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $2,045.71 with an interest rate of 7.499%. The current UPB reflected as per the payment history is $292,600.00. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $292,600.00.<br> As per the seller's tape, the occupancy of the subject property is stated as investment.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows the investor declined the loan due to valuation concerns, as the appraiser used large adjustments to arrive at an appraised value of $XXXxx, with a sales price of $XXXK, is closest to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $13293.36 | 10/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $11544.60 | 6.125% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 785 | 782 | 65.323% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx., DBA xx<br> There are two code violation liens open against the subject property. The first code violation is in favor of xxamount of $XXX.XX with case # xx, and the second code violation is for two unpermitted structures with case # xx.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $15,017.58 (xx), which was applied for the due date of xx/xx/2025. The current xxis $11,544.60 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $1,898,153.32. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $1,898,153.32.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 12.58 years on the job as a pilot/crew member with xx.<br> BWR2 has been SE for 3.05 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX does reflect xx.XX. CD dated xx/xx/XXXX reflects xx.XX. <br> This is an increase of $XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. <br>Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and Recording fee at $XXX.XX. CD dated xx/xx/XXXX reflects the sum of xxfee at $XXX.XX. This is a cumulative increase of $X.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents.<br> The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows the subject loan is closed with incorrect bonus entitlement. Further details not provided." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3085.08 | 09/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1687.65 | 6.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 686 | 723 | 56.437% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,243.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,687.65 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $259,973.98. | Collections Comments:According to the servicing comments, the loan is currently performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $259,973.98.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 7.58 years on the job as a sales associate with xx.<br> BWR2 has 1.25 years on the job as a sales associate with xx. Previously, BWR2 had 2.08 years on the job as an xx.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX.<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* Loan does not conform to program guidelines (xxshows the loan does not meet the FHA seasoning requirement. Further details not provided."<br> \* MI, xxmissing and required (xxinsurance certificate is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxdefined by loan findings (xxfailed the xxrebuttable presumption test due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX." | \* xxis "xxfailed xxsafe harbor test threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by - X.XXX%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4068.31 | 10/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $358.99 | 2.250% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 803 | 800 | 34.777% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been paid in the amount of $XXXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $783.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $358.99 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $39,825.86. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $39,825.86.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 and BWR2 receive social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> xx<br> xx<br> Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxfile show the subject poses health and safety issues due to mold and moisture present in the bathroom walls and ceiling, a hole in the vinyl siding, stained flooring, and scuffed walls. xx, or mold inspection report, is missing from the loan file. The final CD does not reflect the escrow holdback amount." |  | \* xxfailing for state regulations. PA license validation test."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "XX TRID tolerance test is incomplete due to initial LE and initial CD are missing from loan documents. The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxinitial XXXX signed by the loan originator is missing from the loan documents."<br> \* xxinitial closing disclosure is missing from the loan documents."<br> \* xxinitial loan estimate is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxservicing transfer disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $0.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1440.83 | 10/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $947.54 | 4.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | No | Unavailable | Unavailable | Unavailable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 647 | Not Applicable | 34.944% | First | Final policy | Not Applicable | Not Applicable | 03/08/2023 | $192612.00 | Not Applicable | 4.250% | $947.54 | 04/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX was paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the total amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,185.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $947.54 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $183,933.07.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $183,933.07.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2023.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 2.6 years on this job as a field tech with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx. Long, and the lender, xx., on xx/xx/2023. As per the modified term, the new principal balance is $192,612.00. The monthly xxis $947.54 with an interest rate of 4.250% beginning on xx/xx/2023 and a maturity date of xx/xx/2053. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | xx<br> xx<br> xx<br> Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxproperty is a new construction. The appraisal report is subject to the completion of new construction. The estimated cost of construction is not available. xxreport is missing from the loan documents. The final CD does not reflect the escrow holdback." | \* xxviolations (xx) indicates that the loan was closed as an xx of $X,XXX.XX."<br> \* xxshows the subject is a construction-to-permanent loan with a shared well that was not addressed prior to closing. Appraisal report shows shared well systems are common for the area, and there are no plans for public hook-up, and it would not be feasible. Zillow shows an estimated value of $XXXk. The current UPB is $XXXk." | \* xxis "xxloan failed the qualified mortgage safe harbor threshold test due to the calculated APR of X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxtest xxloan failed the higher-priced mortgage loan test (xx) (xx)) due to the APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx). The subject loan is escrowed."<br> \* MI, xxmissing and required (xxinsurance certificate is missing from the loan documents."<br> \* xxapplication signed by the loan originator is missing from the loan documents."<br> \* xxinitial CD is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Property is xxhome is affixed to the land. The appraisal report is missing. As per the updated title report dated xx/xx/XXXX located at Ln#xx, the subject property is a manufactured home. The affidavit of affixation document is available in loan files located at Ln#xx, reflecting that the home is permanently affixed to the land." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $3327.45 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 10/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $824.65 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 785 | Not Applicable | 35.277% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,338.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $824.65 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $144,150.50. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $144,150.50.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2 years on the job as an associate with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxtape and file show the subject property's family room is being updated at the time of closing. The estimated cost to cure is not available in the loan file. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount." | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows BWR receiving unemployment compensation while being employed with xx. as an associate for two years. xx.XX%. BWR defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X years on the job as an associate with xx., FICO XXX, XXXX in the last XX months, $XXXK equity in the subject, and residual income of $X,XXX."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "XX TRID tolerance test is incomplete due to initial CD is missing from loan documents. The subject is a purchase case originated on xx/xx/XXXX, and X-year SOL has expired."<br> \* xxapplication signed by the loan originator is missing from the loan documents."<br> \* xxis missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4655.06 | 09/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1666.97 | 2.500% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 790 | 787 | 39.975% | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a state tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> For xx<br> The annual installment of county taxes for XXXX has been paid in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> For xx<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the total amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,209.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,666.97 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $105,566.05. | Collections Comments:<br> According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $105,566.05.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 receives social security and capital gains income.<br> BWR2 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the declaration section of the loan application revealed a prior foreclosure history within X years. Review of the file and credit report does not show any prior foreclosure history. Further details not provided. Subject originated on xx/xx/XXXX." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3772.60 | 10/23/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $519.86 | 2.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 783 | 809 | 47.100% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,187.46 (xx), which was applied for the due date of xx/xx/2025. The current xxis $519.86 with an interest rate of 2.625%. The current UPB, reflected as per the payment history, is $114,095.58. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB, reflected as per the payment history, is $114,095.58.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 5.83 years on the job as a financial secretary with xx.<br> BWR2 has 3 years on the job as a teacher's assistant with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxper tape, unable to deliver due to xxwas limiting the number of Xnd homes & investments purchased at the time of origination. Further details are not provided." | \* xxfailed the reimbursement amount and Consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX reflects xx.XX. CD dated xx/xx/XXXX reflects xx.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $xx and total expenses are in the amount of$X,XXX.XX, and the loan was underwritten by xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1701.81 | 09/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1561.24 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Mobile Home | xx | xx | Primary | Yes | Yes | No | 805 | 804 | 30.700% | First | Final policy | Not Applicable | Not Applicable | 03/02/2023 | $376300.00 | Not Applicable | 2.875% | $1561.24 | 04/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,561.24, which was applied for the due date of xx/xx/2025. The current xxis $1,561.24 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $354,171.83. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $354,171.83.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2023.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 5.16 years on the job as a complex case manager at xx. <br> BWR2 has 30.33 years on the job as a freight team associate at xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx. xx, and the lender, xx, on xx/xx/2023. As per the modified term, the new principal balance is $376,300.00. The monthly xxis $1,526.24 with an interest rate of 2.875% beginning on xx/xx/2023 and a maturity date of xx/xx/2053. There is no deferred balance and principal forgiven amount. | xx<br> xx | xx | 4: Unacceptable | \* Property is xxreport is missing. As per the tape data, the subject property is single-family. The tax report is attached with the updated title report, which is located at "Ln#xx," which shows the property type as a mobile home on a XX acre lot. xxendorsement is not attached to the final title policy. The legal description attached to the subject mortgage does not show the VIN or serial number. The affidavit of affixation is not available to confirm whether the mobile home is affixed to a permanent foundation." | \* Loan does not conform to program guidelines (xxtape shows the subject loan was closed with an interest rate of X.XXX%, below the FNMA min X% threshold. Further details not provided."<br> \* xxreport is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxclosing disclosure is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4845.44 | 09/19/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1876.80 | 2.625% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 800 | 805 | 42.345% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utilities/MUD charges for XXXX has been paid in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,475.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,876.80 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $217,779.93. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $217,779.93.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 24.25 years on the job as an aircraft maintenance technician with xx.<br> BWR2 has 6.75 years on the job as a dental assistant with xx. Balog, DDS.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. The tape shows the lender did not include the bridge loan payment in DTI calculation. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has XX.XX years on the job as an aircraft maintenance technician with xx. BWRX has X.XX years on the job as a dental assistant with xx. Balog, DDS, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "XX TRID tolerance test is incomplete due to the initial CD is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxinitial closing disclosure is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12335.28 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1477.02 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 716 | Not Applicable | 35.823% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one prior mortgage against the subject property that was originated on xx/xx/XXXX in favor of xxamount of $xx which was recorded on xx/xx/XXXX. The subordination agreement located at "Ln#xx.<br> The Xst and Xnd installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> The Xst and Xnd installments of school taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,477.02 with an interest rate of 2.875%. The current UPB reflected as per the tape is $340,425.78. | Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is $340,425.78.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 8.75 years on the job as a supervisor sanitation worker with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows missing evidence of a subordination agreement. The subordination agreement is available in the loan file located at "Ln#xx." | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. The tape shows that BWR was not employed at the time of closing. xx.XX%. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a sanitation supervisor with the xx, FICO XXX, $XXXK equity in the subject, and residual income of $X,XXX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First | xx | $0.00 | $5124.48 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3385.00 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 713 | Not Applicable | 49.035% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.I.M.E. Lending.<br> There is one prior civil judgment against the borrower xx., xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> There is one prior child support lien against the borrower xx, which was recorded on xx/xx/XXXX. The amount of the judgment is not available on the supporting document.<br> The Xst and Xnd installments of county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025. The borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,452.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,385.00 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $524,845.79 | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025. The borrower xx, and the next due date is xx/xx/2026. The current UPB is $524,845.79.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 18.91 years on the job as a foreman at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect the appraisal re-inspection fee. The final CD dated xx/xx/XXXX reflects the appraisal re-inspection fee of $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $14305.48 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5099.36 | 6.999% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 764 | Not Applicable | 45.910% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $5,099.36 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,099.36 with an interest rate of 6.999%. The current UPB reflected as per the payment history is $753,259.43. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $753,259.43.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> Unable to determine RFD.<br> No post-close bankruptcy record has been found.<br> BWR has been SE owning multiple businesses for 7.58 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxmiscalculated SE income. xx.XX%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is xx, xxyears and SE with xx, FICO XXX, $xx residual income, $XXX.XK in reserves and $XXX.XK equity in the subject property." | \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xx<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX.<br>Loan fails xxpoints and fees test due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xx<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* xxmissing; loan has escrows (xxescrow account disclosure is missing from the loan file." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $9656.09 | 11/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2410.25 | 3.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 736 | Not Applicable | 39.320% | First | Final policy | Not Applicable | Not Applicable | 11/22/2024 | $524578.49 | Not Applicable | 3.500% | $2032.17 | 01/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of PITI $3,595.95, which was applied to the due date of xx/xx/2025. The current xxis $2,032.17 with an interest rate of 3.500%. The current UPB reflected as per the tape is $518,413.47. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the tape is $518,413.47.<br> As per the comment dated xx/xx/2024, the reason for the default is excessive obligations.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found. <br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> BWR has 2 months on the job as an associate with xx. Previously, BWR had 17.91 years on the job as a cosmetologist at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2024. As per the modified term, the new principal balance is $524,578.49. The monthly xxis $2,032.17 with an interest rate of 3.500% beginning on xx/xx/2025 and a maturity date of xx/xx/2064. | Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's xxsubject loan was approved as OO at XX.XX%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X months on the job as an associate with xx. FICO XXX, and $XXK equity in the subject."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7837.29 | 12/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2728.81 | 5.253% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 796 | 747 | 47.781% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX at Book xx, Page xx in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The water/sewer charges are delinquent in the amount of $XX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,795.49 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,728.81 with an interest rate of 5.253%. The current UPB reflected as per payment history is $464,423.84. | Collections Comments:According to the servicing comments, the current status of the loan is in collection.<br> According to tape as of xx/xx/2025, the borrower xx on the loan, and the next due date is xx/xx/2025. The current UPB is $467,176.82.<br> As per the tape, the subject property is owner-occupied.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 5 months on the job as a chef with xx. Previously, BWR1 had 3.58 years as a chef with xx. BWR2 has 6 months on the job as a chef with xx. Previously, BWR2 had 3.75 years as a chef with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject approved at XX.XX%. Tape shows BWR provided altered payroll and bank documents. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X months on the job as a chef with xx. BWRX has X months on the job as a chef with xx, FICO XXX, and $XXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 09/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4407.40 | 6.374% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | Yes | 801 | 803 | 37.383% | First | Short Form Policy | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior HELOC mortgage active against the subject property that originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument # xx.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,407.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,407.40 with an interest rate of 6.374%. The current UPB reflected as per the payment history is $496,223.31. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $496,223.31.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7.91 years on the job as a xx.0, LLC.<br> BWR2 has 10.8 years on the job as a chief administration officer with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxshows the eligibility of the subject condo project was not established. Review of the file shows the appraisal report is as is, and the condo questionnaire shows the HOA is evaluating certain construction issues that may require remediation in the future. Further details not provided. Zillow search shows an estimated value of $X.XM. Current UPB $XXXK." | \* xxloan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date of xx/xx/XXXX is more than XX calendar days after the consummation date of xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1689.89 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1566.38 | 3.999% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 765 | 726 | 40.698% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,566.38 with an interest rate of 3.999%. The current UPB reflected as per the payment history tape is $302,879.63. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is $302,879.63.<br> As per the tape, the subject property is owner-occupied.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 was qualified using an offer letter as a teacher at xx. BWR had multiple jobs in the past 2 years. <br> BWR2 has 1.50 years on the job as a technician with xx. Additionally, BWR2 started a new job on xx/xx/2022 as a technician with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxshows loan fails APOR-APR rate test. Further details not provided. xxreport failed for xx. Further details are not provided."<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to fees charged of $xx exceeds the fees threshold of $xx over by $X,XXX.XX. The below fees were included in the test: xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $X,XXX.XX<br>The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $xx exceeds the fees threshold of $xx over by +$X,XXX.XX. The below fees were included in the test: xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $X,XXX.XX" | \* xxis "xxloan failed the qualified mortgage safe harbor threshold test due to the APR being calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9579.10 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3284.64 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 789 | Not Applicable | 43.807% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There are two prior child support liens against the borrower xx and xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX. The amount of the lien is not mentioned on the supportive document.<br> The Xst and Xnd installments of county taxes for XXXX-XXXX were due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received date. The current xxis $3,284.64 with an interest rate of 6.875%. The current UPB reflected as per the tape is $497,707.49. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $497,707.49.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 5.33 years on the job as a manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan fails the compliance delivery and timing test for the CD dated xx/xx/XXXX. The document tracker is missing, and X business days were added to get the receipt date of xx/xx/XXXX, which is after the consummation date of xx/xx/XXXX."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxloan fails the qualified mortgage lending policy points and fees test due to fees charged of $xx exceeds the fees threshold of $xx by $X,XXX.XX. The below fees were included in the test: xx xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $X,XXX.XX"<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. xxdated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of $XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a refinance, originated on xx/xx/XXXX, and the SOL is X years."<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to fees charged of $xx exceeding the fees threshold of $xx by $X,XXX.XX. The below fees were included in the test: xx xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $X,XXX.XX"<br> \* Property is xxper the appraisal report, which is located at "XXXXXXXXXX - xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "Ln#xx, XX" state that the manufactured home with serial # xx. xxtitle policy shows an exception for notice of manufactured home, installation on a foundation system recorded on xx/xx/XXXX in inst#xx." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11923.42 | 09/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5642.68 | 6.125% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 796 | 795 | 50.767% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,870.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,642.68 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $922,522.99. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $922,522.99.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1 year on the job as a medical staff member at the xx, BWR1 had 1.33 years on the job as a medical staff member with xx. <br> BWR2 has 15.5 years on the job as a financial analyst at the xx, BWR2 receives VA benefits income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX, reflects cash to the borrower xx,XXX.XX."<br> \* xxloan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* Loan does not conform to program guidelines (xxshow this loan is uninsurable. This loan needed entitlement to be restored to qualify for the loan amount. xxcondition remains on the file, and an assumption was performed instead of the departing xxmax loan amount without entitlement restored is $xx The auditor reviewed the loan as being assumed instead of paid in full. The new borrower on the assumption is not a veteran, so the entitlement cannot be restored until the loan is paid in full. The loan exceeds the allowable amount by $xx Further details not provided."<br> \* MI, xxmissing and required (xxloan guarantee certificate is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10400.05 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3903.02 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 739 | 651 | 49.990% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active prior civil judgment against the borrower, xx, in favor of xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The annual county taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,903.02 with an interest rate of 6.500%. The current UPB reflected as per the tape is $596,721.69. | Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is $596,721.69.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> BWR1 has been SE as a real estate agent for 15.75 years.<br> BWR2 has 4.83 years on the job as an admin associate with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxtape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XXXxx, with a sales price of $XXXK, is closest to the subject property. Redfin search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxsettlement services provider list is missing from the loan documents."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx.XX%." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $75.00 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2265.41 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 811 | Not Applicable | 28.511% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $XX.XX on xx/xx/XXXX.<br> The annual water/sewer charges for XXXX have been delinquent in the amount of $XX.XX, which was due on xx/xx/XXXX. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received date. The current xxis $2,265.41 with an interest rate of 7.375%. The current UPB reflected as per the tape is $325,959.91. | Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is $325,959.91.<br> The loan has not been modified since origination.<br> As per the tape data, the subject property is owner-occupied.<br> The appraisal report is as is, and the photo addendum shows no flooring in the study room. The estimated cost of repairs is $2,500. The final 1004D showing the completion of repairs is missing from the loan documents. No evidence is available to confirm the current status of repairs.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been xxyears. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows a revised DTI of XX.XX%. Further details are not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been xxyears, FICO XXX, and $XXK equity in the subject." | \* Appraisal incomplete (xx) (xxappraisal report is as is, and the photo addendum shows no flooring in the study room. The estimated cost of repairs is $X,XXX. The final XXXXD showing the completion of repairs is missing from the loan documents. The final CD does not reflect any escrow holdback."<br> \* xxloan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. The loan estimate dated xx/xx/XXXX reflects an xx.XX. xxdated xx/xx/XXXX reflects an xx,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL is X year." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $0.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9974.41 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2336.12 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 705 | Not Applicable | 39.275% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, N.A.<br> There is one civil judgment against the borrower, xx, in favor of xx, in the amount of $X,XXX.XX, which was recorded on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school charges for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,336.12 with an interest rate of 7.125%. The current UPB reflected as per the tape is $343,607.61. | Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is $343,607.61.<br> Unable to determine the reason for the default.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 1.16 years on the job as a registered nurse with xx. BWR had multiple jobs in the last 2 years in the same line of work.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxreport in the file is as-is. The improvement section shows the stove and dishwasher need to be installed. The estimated cost to cure is not available in the loan file. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* xxfailed XX delivery and timing test for revised CD dated xx/xx/XXXX. Document tracker is available and the receipt date of xx/xx/XXXX which is less than X business days before consummation."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* xxloan failed the higher-priced mortgage loan test (xx)(xx)); an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx), and (xx). The loan failed the QM safe harbor threshold test due to the APR calculated at X.XXX%, exceeds the APR threshold of X.XXX% over by +X.XXX%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $9187.55 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2370.86 | 4.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 783 | Not Applicable | 49.847% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx, Page xx in the amount of $xx with xx.<br> There is an HOA lien against the subject property in favor of xx., which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> There is a xxjudgment against the subject property in favor of xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,370.86 with an interest rate of 4.875%. The current UPB reflected as per the tape data is $424,772.02. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $424,772.02.<br> Unable to determine the reason for the default.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4 months on the job as an import manager with xx. Previously, BWR had 5.58 years on the job as a manager with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* Appraisal incomplete (xx) (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects lender credit at $X.XX; the final CD dated xx/xx/XXXX reflects the lender at $X.XX. This is an increase of +$X.XX for a fee that has a X% tolerance test.<br> The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1669.55 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5055.79 | 6.999% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 798 | Not Applicable | 32.845% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the details of the last payment received. The current xxis $5,055.79 with an interest rate of 6.999%. The current UPB is $750,262.26. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $750,262.26.<br> Unable to determine the RFD.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR qualified using the asset depletion program.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxqualified the BWR on xxfrom a business sold in XXXX. Per the tape, continuance of income could not be established. Per the tax returns, the majority of the income has been received so the income will not continue for X years. xxcannot be determined. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE in multiple businesses. FICO XXX. $X.XXM in reserves and $XXXK equity in the subject property." | \* Appraisal incomplete (xx) (xxshows the subject property's listing history was not reported and adequately analyzed. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* xxtape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XXXxx, with a sales price of $X.XM, is closest to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TILA Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID total of payment disclosed on final CD as $X,XXX,XXX.XX. Calculated total of payments is $xx for an under disclosed amount of -$XXX.XX. The disclosed total of payments of $xx is not considered accurate due to it is understated by more than $XXX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect points - loan discount fee. The final CD dated xx/xx/XXXX reflects points - loan discount fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9537.57 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2029.91 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 704 | Not Applicable | 11.354% | First | Short Form Policy | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,029.91 with an interest rate of 6.875%. The current UPB reflected as per the tape data is $305,784.78. | Collections Comments:The current status of the loan is performing.<br> According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $305,784.78.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR qualified using 12 months of business bank statements.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxshows e-sign documents following mailbox delivery incorrectly included Sunday in the rescission (xx) period, which would have allowed the CD to be generated on the same day the LE was considered delivered. Review of the file does not indicate that the CD was generated on the same day as the LE, and xxdid not fail the delivery and timing test. Further details not provided."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1937.41 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2598.50 | 9.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 790 | Not Applicable | 36.593% | First | Final policy | Not Applicable | Not Applicable | 09/18/2024 | $309302.00 | Not Applicable | 7.530% | $2169.04 | 11/01/2024 | Change of Terms | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,169.04 with an interest rate of 7.530%. The current UPB reflected as per the tape is $302,937.02. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is $302,937.02.<br> xxis unable to be determined. <br> As per the loan documents, the loan was modified on xx/xx/2024.<br> No details pertaining to the damage to the subject property have been observed. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per the seller's tape, the subject property is owner-occupied.<br> BWR receives VA compensation and retirement income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan modification agreement was signed between the borrower, xx. Jones, and the lender, xx., with an effective date of xx/xx/2024. The new modified unpaid principal balance is $309,302.00. The modified monthly xxis $2,169.04 with an interest rate of 7.530% starting on xx/xx/2024. The maturity date is xx/xx/2054. There are no deferred balances and the principal forgiven balance. The loan has been modified once since origination. |  | xx | 3: Curable |  | \* xxis xxshows the subject loan is a non arm's length transaction involving a newly constructed home previously owned by the borrower's father." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $16713.46 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6745.42 | 6.750% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 790 | 786 | 27.860% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst & Xnd installments of combined (xx) taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX & xx/xx/XXXX.<br> The Xst & Xnd installments of combined taxes for XXXX are due in the total amount of $xx on xx/xx/XXXX & xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $7,361.05 with an interest rate of 6.75%. The current UPB reflected as per the tape data is $1,029,868.62. | Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape data is $1,029,868.62.<br> As per the tape, the subject property is owner-occupied.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR2 has been an SE for 7.91 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows incorrect SOFR causing MDIA issues / corrected by secondary on xx/xx/XXXX. Further details are not required." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $6537.55 | $16964.80 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6497.66 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 661 | Not Applicable | 15.911% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are two civil judgments against xxfavor of the xx, which were recorded on xx/xx/XXXX in the total amount of $XX,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> The annual installment of county taxes for XXXX is delinquent in the amount of $X,XXX.XX, which is good through xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $6,497.66 with an interest rate of 6.500%. The current UPB reflected as per the tape is $988,905.45. | Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is $988,905.45.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR was qualified using the 12-month business bank statement loan program.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxloan fails the qualified mortgage lending policy points and fees test due to fees charged of $xx exceeding the fees threshold of $xx by $XX,XXX.XX. The below fees were included in the test: xxpaid by Borrower: $xx<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $X,XXX.XX<br>The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by X.XXX%."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$xx for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on xxdated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $XX,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X. This is decrease of +$xx for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxproceed is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11626.72 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3950.01 | 6.499% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 773 | 746 | 22.950% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior mortgage against the subject property in favor of "xx, a California nonprofit religious corporation," which originated on xx/xx/XXXX in the amount of $xx and was recorded on xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX/XXXX are due in the amount of $xx on xx/xx/XXXX.<br> The first and second installments of supplemental county taxes for XXXX/XXXX are due in the amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of supplemental county taxes for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,950.01 with an interest rate of 6.499%. The current UPB reflected as per the tape is $622,143.66. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $622,143.66.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR1 has 1 month on the job as a vice president with xx. Previously, BWR1 had 3.33 years in the same line of work.<br> BWR2 has 6.66 years on the job as a field representative with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> Transmittal (xx) | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape reflects an increased DTI of XX.XX%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X month on the job as a vice president with xx, FICO XXX, and $XXXK equity in the subject." | \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* Transmittal (xx) is xxfinal transmittal summary is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4451.00 | 08/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1741.60 | 5.999% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 792 | Not Applicable | 44.656% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX/XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,308.29 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,741.60 with an interest rate of 5.999%. The current UPB is $287,251.85. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $287,251.85.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 4.16 years on the job as a maintenance supervisor at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 1: Acceptable |  |  |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $3883.98 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2713.83 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 3 Family | xx | xx | Investor | Yes | Yes | No | 773 | Not Applicable | 31.816% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a certificate of sale for an unpaid municipal lien (#xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX. This certificate of unpaid municipal lien has been redeemed on xx/xx/XXXX.<br> The annual installment of utilities/MUD charges for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xst, Xnd, and Xrd installments of town taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> The Xth installment of town taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,713.83 with an interest rate of 6.375%. The current UPB reflected as per the tape is $420,029.96. | Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $420,029.96.<br> Unable to determine the reason for the default.<br> As per the seller's tape, the subject property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 3.75 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows the appraisal report used on the subject loan is a transferred appraisal, and the LO used on the subject loan intentionally overstated the subject property value. The date of the prior sale or transfer is xx/xx/XXXX in the amount of $XXXxxsubject's appraised value on xx/xx/XXXX was $XXXxxsubject has received no significant upgrades or repairs. The property analysis report from HouseCanary is not supported. Redfin search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $3661.78 | $9039.82 | 09/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4040.61 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 773 | Not Applicable | 49.874% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a state tax lien against the borrower xx, xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst and Xnd installments of combined taxes for XXXX were due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of combined taxes for XXXX have been delinquent in the total amount of $X,XXX.XX, which is good through xx/xx/XXXX.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,179.15 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,040.61 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $657,706.01. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $657,706.01.<br> As per the collection comment dated xx/xx/2025, the RFD is curtailment of income.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape, the subject property is owner-occupied.<br> BWR has 31 years on the job as a maintenance supervisor with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxmiscalculated rental income. xxis XX.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx, FICO XXX, $X,XXX residual income, $XX.XK in reserves and $XXK equity in the subject property." | \* Assets do not meet guidelines (xxshows assets are insufficient for closing. Bank statements in the file show $XXK; gift assets verified of $XK supported by a gift letter satisfy the cash-to-close requirement of $XXK at closing. Further details not provided."<br> \* xxinitial XXXX signed by the loan originator is missing from the loan files."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8327.68 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4656.65 | 6.999% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 807 | Not Applicable | 49.291% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior state tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> The first installment of the annual combined taxes for XXXX was paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $4,656.65 with an interest rate of 6.999%. The current UPB, reflected as per the tape data, is $684,601.95. | Collections Comments:The current status of the loan is performing.<br> According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $684,601.95.<br> Unable to determine the reason for the default.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 7.50 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows SE income miscalculation. xxis XXX%. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE for X.XX years at xx, FICO XXX, and $XXXK equity in the subject." | \* Appraisal incomplete (xx) (xxreport is subject to inspection of the source of seepage in the basement. The estimated cost of repairs is not available. XXXXD, or the inspection report by the licensed professional is missing from the loan documents."<br> \* xxloan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. xxdated xx/xx/XXXX reflects points—loan discount fee at $XX,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired.<br>The TRID total of payment disclosed on the final CD is $X,XXX,XXX.XX. The calculated total of payments is $xx for an under-disclosed amount of -$X,XXX.XX. The disclosed total of payments of $xx is not considered accurate because it is understated by more than $XXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1587.81 | 8.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 801 | 801 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,587.81 with an interest rate of 8.500%. The current UPB reflected as per the tape is $204,527.51.<br>| Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The UPB is $204,527.51.<br> Unable to determine the reason for default.<br> As per the seller's tape, the subject property occupancy is stated as an investor.<br> The appraisal report is as is, and the comment addendum shows the minimal repairs to building components/mechanical systems and cosmetic repairs. The estimated cost of repairs is not available.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxappraisal report is as is, and the comment addendum shows the minimal repairs to building components/mechanical systems and cosmetic repairs. The estimated cost of repairs is not available. XXXXD is missing from the loan document, and the final CD does not reflect the escrow holdback."<br> \* Loan does not conform to program guidelines (xxsubject was approved as NOO using DSCR method on X/XX/XX. Tape shows the BWR rented out the subject property to family members in violation of lender guidelines. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6950.26 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3089.70 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 721 | 784 | 49.613% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,089.70 with an interest rate of 6.125%. The current UPB tape data is $502,922.58. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB as per tape is $502,922.58.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR1 has 14.58 years on the job as a shipping supervisor of stone fruit with xx. <br> BWR2 and BWR3 receive social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfails xxpublic guidelines) QM points and fees test due to fees charged of $xx exceeds the fees threshold of $xx by $X,XXX.XX. The below fees were included in the test: Funding, Wire, or xxpaid by borrower: $XX.XX xxpaid by Borrower: $xx xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $XXX.XX<br>The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $xx exceeds the fees threshold of $xx by $X,XXX.XX. The below fees were included in the test: Funding, Wire, or xxpaid by borrower: $XX.XX xxpaid by Borrower: $xx xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $XXX.XX"<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject approved at XX.XX%. Tape shows borrower not employed at time of closing. xxis XXX.XX%. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has XX.XX years on the job as a shipping supervisor of stone fruit with xx. BWRX and BWRX receive social security income, FICO XXX, and $XXK equity in the subject."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $XX,XXX.XX. xxdated xx/xx/XXXX reflects points—loan discount fee at $XX,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1823.11 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1495.47 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 765 | Not Applicable | 49.200% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx, Page xx, in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,495.47 with an interest rate of 6.500%. The current UPB reflected as per the tape is $228,870.43. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $228,870.43.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property occupancy is stated as an investor.<br> BWR has 3.41 years on the job as a nurse at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved as NOO at XX.XX%. The tape shows misrepresentation of BWR's income and employment. The revised DTI is XX.XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a nurse at xx. FICO XXX, $XXXK equity in the subject, and $xx residual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4943.85 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3360.51 | 9.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 682 | Not Applicable | 33.152% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current xxis $3,360.51 with an interest rate of 9.875%. The current UPB is $383,987.85. | Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $383,987.85.<br> Unable to determine the reason for default.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR was qualified using a 12-month bank statement.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxshows the initial LE dated xx/xx/XXXX (xxwas not provided to the borrower xx." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% and charges that in total cannot increase more than XX% tolerance test due to loan failed xxdelivery and timing test. xxdated xx/xx/XXXX and delivered on xx/xx/XXXX, which is less than the seventh business day from the consummation date of xx/xx/XXXX. This loan failed the written list of service providers disclosure date test, as the written list of service providers is less than the seventh business day from the final closing disclosure on xx/xx/XXXX. This loan failed the initial loan estimate delivery date test, as the initial LE is less than the seventh business day from the final closing disclosure on xx/xx/XXXX.<br>Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at XX.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx)."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Critical | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3270.74 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4415.50 | 7.740% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 758 | Not Applicable | 47.562% | First | Final policy | Not Applicable | Not Applicable | 09/23/2024 | $616930.00 | Not Applicable | 6.116% | $3744.94 | 11/01/2024 | Change of Terms | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,744.94 with an interest rate of 6.116%. The current UPB reflected as per the tape is $606,516.65. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $606,516.65.<br> Unable to determine the RFD.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.33 years on the job as a project manager with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Subject is a construction-to-permanent loan. The modification agreement was made between the borrower, xx. Sagoo, and the lender, xx, on xx/xx/2024. As per the modified term, the new principal balance is $616,930.00. The monthly xxis $3,744.94 with an interest rate of 6.116% beginning on xx/xx/2024 and a maturity date of xx/xx/2054. There is no deferred balance and principal forgiven amount. | Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows BWR obtaining a new job prior to loan modification, and the revised DTI is XX.XX%. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a project manager with xx, FICO XXX, $XXK equity in the subject, and $X,XXX residual income." | \* xxloan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. The loan fails the compliance delivery and timing test for the CD dated xx/xx/XXXX. The document tracker is missing, and X business days were added to get the receipt date of xx/xx/XXXX, which is after the consummation date of xx/xx/XXXX."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TILA finance charge test. The finance charge disclosed on the final CD is $X,XXX,XXX.XX. The calculated finance charge is $xx for an under disclosed amount of -$XX,XXX.XX. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. <br> The TRID total of payment disclosed on the final CD is $X,XXX,XXX.XX. The calculated total of payments is $xx for an under disclosed amount of -$XX,XXX.XX. The disclosed total of payments of $xx is not considered accurate because it is understated by more than $XXX."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the xxdated xx/xx/XXXX reflects a xx,XXX.XX. This is an increase in fee of $xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br> TRID Violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects xx.XX; the final CD dated xx/xx/XXXX reflects Lender at $XXX.XX. This is a decrease of +$XXX.XX for a fee that has a X% tolerance test.<br>The subject loan is a refinance, originated on xx/xx/XXXX, and the SOL is X years."<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to Fees charged (xx) exceed the fees threshold of $xx by $XXX.XX. The below fees were included in the test: xxpaid by Borrower: $xx xxpaid by Borrower: $X,XXX.XX"<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxright of rescission is missing from the loan documents." | \* xxtest xxloan failed the higher-priced mortgage loan test (xx)(xx))an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx), and (xx). The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated, X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $xx exceeding the fees threshold of $xx by $XXX.XX. The below fees were included in the test: xxpaid by Borrower: $xx xxpaid by Borrower: $X,XXX.XX" |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2444.74 | 6.999% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 755 | Not Applicable | 19.655% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst, Xnd, and Xrd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current xxis $2,444.74 with an interest rate of 6.999%. The current UPB is $357,653.34. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $357,653.34.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property occupancy is stated as an investment.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives other income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows the appraisal report used on the subject loan is a transferred appraisal, and the LO used on the subject loan intentionally overstated the subject property value. The date of the prior sale or transfer is xx/xx/XXXX in the amount of $XXXxxsubject's appraised value on xx/xx/XXXX was $XXXxxhas received no significant upgrades or repairs. A desk review report dated xx/xx/XXXX from HouseCanary shows an estimated value of $XXXxxsearch shows an estimated value of $XXXK. Current UPB is $XXXK." | \* ATR - Unable to determine borrower's xxapproved at XX.XX%. File shows inconsistent income and losses for XXXX and XXXX. File is missing XXXX business tax returns. Lender defect. BWR is has multiple rental properties. FICO XXX. $XXXK equity in subject.<br> xx/xx/XXXX: SOL expired, we will downgrade exception to LVLX." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $4573.47 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $965.18 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 767 | Not Applicable | 43.552% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a code enforcement lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,601.58 (xx), which was applied for the due date of xx/xx/2025. The current xxis $965.18 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $153,111.03. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $153,111.03.<br> As per the tape, the subject property is non-owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 10 months on the job as a respiratory therapist at xx. BWR had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxis NOO and approved at XX.XX%. Tape shows undisclosed debt. xxis XX.XX%. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has XX months on the job as a respiratory therapist at xx, FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and $X,XXX residual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2746.49 | 10/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2301.39 | 6.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 709 | 748 | 45.684% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,595.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,301.39 with an interest rate of 6.000%. The current UPB is $375,413.05. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $375,413.05.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1 month on the job as an xx.<br> Previously, BWR had 2.5 years on the job as a xx. <br> BWR2 has 6.33 years on the job as a senior xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows the lender did not document the appraisal report of REO properties supporting rental income used for qualification. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X month on the job as an xx, BWRX has X.XX years on the job as a senior xx, FICO XXX, XXXX since inception, and $XXK equity in the subject."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3729.38 | 08/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1356.49 | 5.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 667 | Not Applicable | 47.229% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are X prior IRS liens against the borrower xx, which were recorded on xx/xx/XXXX, xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX in the total amount of $XXX,XXX.XX. xxmentioned on supportive documents is inconsistent with the borrower's SSN.<br> There are X HOA liens against the subject property in favor of xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $X,XXX.XX.<br> There is a credit card judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> There is a prior state tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> There is a state tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst annual installment of utilities/MUD taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of utilities/MUD taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,790.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,356.49 with an interest rate of 5.625%. The current UPB reflected as per the payment history is $221,337.71. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025.The current UPB is $221,337.71.<br> As per the servicing comment dated xx/xx/2025, the reason for default is excessive obligations.<br> The loan has not been modified since origination.<br> As per the comment dated xx/xx/2024, the foreclosure was initiated on the loan in 2024. The complaint was filed on xx/xx/2024. As per the comment dated xx/xx/2024, the foreclosure sale is scheduled for xx/xx/2025. As per the servicing comment dated xx/xx/2025, the foreclosure sale was postponed. As per the servicing comment dated xx/xx/2025, the foreclosure sale was cancelled, and the case has been closed due to reinstatement.<br> CCs do not show any damage. <br> No post-close bankruptcy record has been found.<br> As per servicing comment dated xx/xx/2025, the subject property is owner occupied.<br> BWR has 11.41 years on the job as an auto worker with xx.<br> Foreclosure Comments:As per the comment dated xx/xx/2024, the foreclosure was initiated on the loan in 2024. The complaint was filed on xx/xx/2024. As per the comment dated xx/xx/2024, the foreclosure sale was scheduled for xx/xx/2025. As per the servicing comment dated xx/xx/2025, the foreclosure sale was postponed. As per the servicing comment dated xx/xx/2025, the foreclosure sale was cancelled, and the case has been closed due to reinstatement. Further details not found.<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> xx<br> xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxproperty is a new construction. The appraisal report is subject to the completion of new construction. The estimated cost of construction is not available. xxreport is missing from the loan documents. The final CD does not reflect the escrow holdback." | \* Loan does not conform to program guidelines (xxtape shows automatic calls, emails, and letters sent to the borrower xx on XX/XX/XX. Further details not provided. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX.<br>Tape shows the appraisal was expired prior to closing, and recertification was not logged into xxbefore closing. Further details not provided." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxloan failed the qualified mortgage safe harbor threshold test due to the calculated APR of X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect points - loan discount fee. The final CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxloan failed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx)."<br> \* xxborrower's intent to proceed is missing in loan documents."<br> \* MI, xxmissing and required (xxinsurance certificate is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxservice providers list is missing from the loan documents."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XXX%, as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by xx,and its recommendation is approve/eligible with a DTI of XX.XX%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4081.30 | 10/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1474.73 | 5.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 764 | Not Applicable | 51.029% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a UCC lien against the subject property in favor of xx, which was recorded on xx/xx/XXXX. <br> There is a credit card judgment against the subject borrower in favor of xx, N.A., which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX are delinquent in the amount of $XX.XX, which is good through xx/xx/XXXX.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,877.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,474.73 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $261,669.07. | Collections Comments:According to the servicing comments, the loan is currently performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $261,669.07.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has one year on the job as a pipefitter with xx. Additionally, BWR has been SE as a pipefitter for 9.25 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows that the FHA case number features an incorrect county code, which cannot be corrected as it was issued by the xx, while the new county code pertains to xxupdates to the county code are not permitted, and the loan is not insured."<br> \* MI, xxmissing and required (xxinsurance certificate is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $430.73 | 11/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $857.29 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Co-op | xx | xx | Primary | Yes | Yes | No | 789 | Not Applicable | 43.047% | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The subject property is a unit in a co-op.<br> According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,023.64 (xx), which was applied for the due date of xx/xx/2025. The current xxis $857.29 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $129,945.52. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $129,945.52.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 1.83 years on the job as a development associate with xx. Additionally, BWR has 6 years on the job as an associate with xx. Crew.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape shows the subject is co-op property, and the DMI is not approved for co-ops. Further details not provided. The subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $1791.26 | $1780.97 | 11/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2083.77 | 7.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 647 | Not Applicable | 49.124% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There is one active prior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> The annual county taxes for XXXX have been paid in the amount of $XX.XX on xx/xx/XXXX.<br> The annual county taxes for XXXX are delinquent in the amount of $XXX.XX, which is good through xx/xx/XXXX.<br> The annual city taxes for XXXX are to follow.<br> The annual school taxes for XXXX have been partially paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual school taxes for XXXX and XXXX are delinquent in the total amount of $X,XXX.XX, which is good through xx/xx/XXXX.<br> The annual utilities/MUD charges for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,406.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,083.77 with an interest rate of 7.125%. The current UPB reflected as per payment history is $307,273.73. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $307,273.73.<br> As per the tape, the subject property is owner-occupied.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4 months on the job as a freight driver with xx. BWR had multiple jobs in the last 2 years in the same line of work.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape shows the subject was downgraded due to excessive AUS runs. Further details not provided. The subject originated on xx/xx/XXXX."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7345.22 | 10/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4322.90 | 6.499% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 758 | Not Applicable | 49.543% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a UCC lien against the borrower xx, which was recorded on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,555.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,322.90 with an interest rate of 6.499%. The current UPB reflected as per the payment history is $685,293.27.<br> As per the comment dated xx/xx/2024, the due dates were deferred from xx/xx/2023 to xx/xx/2024. As per the deferral agreement located at "xx" the payments were deferred from xx/xx/2024 to xx/xx/2024 in the total amount of $24,313.59. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $685,293.27.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/2025, the reason for default is the illness of the borrower's family member.<br> As per the tape, the subject property is owner-occupied.<br>BWR has 1 year on the job as a respiratory therapy technician with xx. Previously, BWR had 4.33 years on the job as a respiratory therapist with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the MI company pulled for an audit, and it rescinded the MI coverage, which prompted an agency to report and buyback. Further details not provided. The subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject approved at XX.XX%. Tape shows borrower switched jobs prior to closing. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X year on the job as a respiratory therapy technician with xx, FICO XXX, and $XXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable | Unavailable | Unavailable | Unavailable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1276.76 | 11/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $757.99 | 5.990% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 726 | Not Applicable | 62.116% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,189.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $757.99 with an interest rate of 5.99%. The current UPB reflected as per the payment history is $126,424.88. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $126,424.88.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 22.83 years on the job as a sergeant with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxfailed the loan origination fee test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$X,XXX.XX. The below fees were included in the test: xxpaid by Borrower: $XX.XX xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $XX.XX."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase fee in the amount of +$X.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows the loan could not be insured due to the loan amount being below $xx Further details not provided. Subject originated on xx/xx/XXXX."<br> \* MI, xxmissing and required (xxguaranty certificate is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $18778.03 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4648.15 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 772 | 776 | 40.252% | Second | Final policy | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx, a limited liability company.<br> There is an active prior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The annual installment of combined taxes for XXXX was paid in the amount of $xx on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,648.15, which was applied for the due date of xx/xx/2025. The current xxis $4,648.15 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $496,674.14. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $496,674.14.<br> Unable to determine the occupancy of the subject property.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The appraisal report dated xx/xx/2023 is subject to completion or repairs due to property improvement. <br> BWR1 has 3 years on the job as a deputy pilot at xx. <br> BWR2 has 8.08 years on the job as an attorney at xx, P.C.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxtape and file show the appraisal report was subject to the completion of renovation. The appraisal states the renovation is an addition with costs of $XXX,XXX. xx, or an engineer inspection report, is missing from the loan documents. Zillow search shows an estimated value of $X.XM. Current UPB is $XXXK."<br> \* Guideline is missing (xxloan is manual underwritten. Reaching out to the seller for the guidelines." | \* xxrider is missing from the loan documents."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase XX% tolerance test. xxdated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Credit report >XX days old at closing (xxreport > XX days old at closing."<br> \* Loan does not conform to program guidelines (xxsubject loan closed as second lien renovation loan, and the tape shows the subject lien did not close with XX-month balloon payment term. The lender/investor is not able to call due on the subject loan, as the BWR is not willing to payoff the Xst mortgage with X% interest rate with xx. The subject loan was initially approved for being XX-month renovation loan and eventually closed as XX-year term mortgage. Further details not provided."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* xxloan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate.<br>xx/xx/XXXX: xxhas expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $495.56 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5097.63 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 719 | Not Applicable | 48.348% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $5,097.63 with an interest rate of 6.500%. The current UPB, as per the tape, is $806,500.00. | Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $806,500.00.<br> As per the seller's tape, the subject property occupancy is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1 month on the job as a xx. Previously, BWR had 9 years on the job as a technical program manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows BWR lost their qualifying job before closing and started new employment with non-borrowing spouse's new company. Lack of stability of income. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X month on the job as a xx, FICO XXX, and $XXXK equity in the subject." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and Recording fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of xxfee at $X,XXX.XX. This is a cumulative increase of $XXX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $977.00 | 09/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $630.50 | 3.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 647 | Not Applicable | 35.603% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, a division of xx, F.A.<br> No active judgments or liens have been found.<br> The annual installment of city taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of city taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,075.18 (xx), which was applied for the due date of xx/xx/2025. The current xxis $630.50 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $126,925.30. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $126,925.30.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.75 years on the job as an operations processing specialist with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 2: Acceptable with xx |  |  | \* xxloan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the pest inspection fee. xxdated xx/xx/XXXX reflects a pest inspection fee of $XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1011.69 | 09/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $751.16 | 2.875% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | No | xx | xx | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 710 | 653 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, a division of xx, F.A.<br> There is a junior mortgage against the subject property in favor of xx, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $XXX,XXX.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,289.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $751.16 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $159,537.62. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $159,537.62.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamlined refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* MI, xxmissing and required (xxguaranty certificate is missing from the loan documents." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points—loan discount fee. xxdated xx/xx/XXXX reflects points—loan discount fee at $XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3299.38 | 09/26/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $845.92 | 3.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 681 | Not Applicable | 54.846% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx,XXX.XX with xx, a division of xx, F.A.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,648.62 (xx), which was applied for the due date of xx/xx/2025. The current xxis $845.92 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $170,999.14. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $170,999.14.<br> As per the collection comment dated xx/xx/2025, the reason for default is unemployment.<br> As per the collection comment dated xx/xx/2025, the subject property occupancy is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3 years on the job as a xx. benefits analyst with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents." | \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX%, as the borrowers income is $X,XXX.XX, and total expenses are in the amount of $X,XXX.XX. The loan was under-written by xx.XX%." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2892.54 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2032.39 | 3.125% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 672 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, a division of xx, F.A.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,815.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,032.39 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $407,382.84. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $407,382.84.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The subject loan was approved as a streamlined refinance.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID Violation due to decrease in xxon xxdated xx/xx/XXXX. xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx.XX. This is decrease of +$XXX.XX for fee which has X% tolerance test. The subject loan is a refinance case that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5668.48 | 10/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1277.99 | 2.875% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 792 | Not Applicable | 32.316% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, a division of xx, F.A.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,379.85 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,277.99 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $267,635.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $267,635.00.<br> As per the tape data, the subject property occupancy is stated as an investor.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 32.08 years on the job as a plant clearance officer with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> xx | xx | 2: Acceptable with xx |  |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br> Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxmissing; loan has escrows (xxescrow account disclosure signed by the borrower xx."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4665.79 | 09/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $555.52 | 3.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 658 | 683 | 34.362% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, a division of xx, F.A.<br> No active judgments or liens were found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx on the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,582.26 (xx), which was applied for the due date of xx/xx/2025. The current xxis $555.52 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $116,133.35. | Collections Comments:According to the servicing comments, the current status of the loan is in collection.<br> According to payment history as of xx/xx/2025, the borrower xx on the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $116,133.35.<br> As per the tape, the subject property is owner-occupied.<br> Unable to determine the reason for default.<br> As per the comment dated xx/xx/2025, the subject property was damaged due to the hailstorm disaster on xx/xx/2025. The claim is under $40xxper the comment dated xx/xx/2025, the loss draft check was received in the amount of $12,094.19. No status of repairs or completion.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 4 years on the job as a clerk with xx.<br> BWR2 has 0.66 years on the job as a jailer with xx. Previously, BWR2 had 2.91 years on the job as a security assistant with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 2: Acceptable with xx |  |  | \* Cash out purchase (xxsubject loan is a purchase case. The final CD, dated xx/xx/XXXX, reflects cash to be in the amount of $XXX.XX."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $40000.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 10/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1889.13 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 741 | 729 | 40.975% | First | Short Form Policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, xxmortgage was re-recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior mortgage against the subject property, which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX in the amount of $xx with instrument #xx.<br> The annual installment of combined taxes for XXXX has been exempt on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,464.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,889.13 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $287,085.43. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $287,085.43.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1 year on the job as a machine operator at xx. BWR1 had multiple jobs in the last 2 years.<br> BWR2 qualified using an offer letter as a classroom aide at xx. Previously, BWR2 had 5 months on the job as a classroom aide at xx, and prior to that, BWR2 had 3.16 years on the job as an account analyst at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxincluded OT and bonus for xx. xxcannot be determined. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx.X years, BWR X is employed with xx, FICO XXX."<br> \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to the borrower xx.XX." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $18.61 | $2130.27 | 10/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1235.03 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 676 | 721 | 49.909% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> Parcel # xx<br> The first and second installments of county taxes for XXXX and XXXX were paid in the total amount of $XX.XX on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> The second installment of county taxes for XXXX has been delinquent in the total amount of $XX.XX, which was good through xx/xx/XXXX.<br> Parcel #xx<br> The first and second installments of county taxes for XXXX and XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,593.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,235.03 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $187,201.16. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $187,201.16.<br> Tape shows bathroom leaks not repaired prior to closing. Further details not provided.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the subject property is owner-occupied.<br> BWR1 has 5 months on the job as a travel nurse with xx. Previously, BWR1 had 1.16 years on the job as a nurse at xx, and prior to that, BWR1 was a student at xx.91 years.<br> BWR2 receives notes receivable installment income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxshows bathroom leaks were not repaired prior to closing. Appraisal report completed as As-Is and photo addendum does not show any leaks on bathroom. Zillow search reflects an estimated value of $XXXxxcurrent UPB is $XXXK."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10617.72 | 10/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5360.25 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 752 | 765 | 39.869% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,744.46 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,360.25 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $805,837.61. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $805,837.61.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1 month on the job as a chief marketing officer with xx. BWR had multiple jobs in the past 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxshows TRID issues due to the LE and initial CD sent on the same date. Further details not provided. File shows the loan did not fail any TRID time and delivery violation tests."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $14621.44 | 10/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $7430.95 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 755 | 779 | 49.927% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are X prior credit card judgments in favor of xx, which were recorded on different dates in the total amount of xx<br> There is a UCC lien against the subject property in favor of xx, which was recorded on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX/XXXX is due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,966.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $7,430.95 with an interest rate of 7.25%. The current UPB reflected as per the payment history is $1,066,441.96. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $1,066,441.96.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 15.58 years at xx, dba xx<br> BWR2 has 15.58 years on the job as a manager with xx., dba xx<br> BWR3 has 1.5 years on the job as a campaign manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* Loan does not conform to program guidelines (xxshows the subject loan has no defect, and the loan is aged and unsalable. Further details not provided. Subject originated X/X/XX, XXXX last XX months."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the appraisal review fee. xxdated xx/xx/XXXX reflects an appraisal review fee of $XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $3781.44 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1268.82 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 720 | Not Applicable | 49.918% | First | Final policy | Not Applicable | Not Applicable | 06/04/2024 | $283013.80 | Not Applicable | 3.375% | $1075.25 | 07/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are two UCC liens against the subject property in favor of xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX.<br> There is an active PACE lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | As per the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,075.25. As per tape, the current interest rate is 3.375% and the UPB is $278,449.91. The due dates were advanced from xx/xx/2023 to xx/xx/2025. As per the modification, the payments were due on xx/xx/2024.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> As per the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $278,449.91.<br> As per the servicing comment dated xx/xx/2024, the reason for default is excessive obligation.<br> As per the servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2024.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers xx, xx, and xxlender xxdba xxon xx/xx/2024. As per the modified term, the new principal balance is $283,013.80. The monthly xxis $1,075.25 with an interest rate of 3.375% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no deferred balance and principal forgiven amount. | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows miscalculation of social security income. xxis XX%. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR receives social security income, FICO XXX, $XXXK equity in the subject and $X,XXX residual income."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx.XX%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5551.55 | 09/26/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1303.64 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 684 | Not Applicable | 48.905% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are X prior civil judgments against the subject borrower in favor of the xx, assignee of xx., which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $X,XXX.XX.<br> The annual installment of county taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,856.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,303.64 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $226,771.37. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $226,771.37.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> BWR has 1.58 years on the job as a server at xx. Previously, BWR had 6 months on the job as a server with xx. Additionally, BWR receives social security and tip income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxdid not include the full tax amount in xx.XX%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx.X years, FICO XXX, $X,XXX residual income, XXXX since inception and $XX.XK equity in the subject property." | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* Cash out purchase (xxsubject loan is a purchase case. xxdated xx/xx/XXXX reflects cash to in the amount of $XXX.XX." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $18523.78 | 10/30/2025 | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6009.88 | 6.125% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 690 | Not Applicable | 30.801% | First | Short Form Policy | Not Applicable | Not Applicable | 04/06/2023 | $1161698.59 | Not Applicable | 6.125% | $7451.39 | 05/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an IRS lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX. <br> There is a credit card judgment against the borrower xx xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> There is a hospital lien against the borrower xx, aka xx, which was recorded on xx/xx/XXXX.<br> The Xst, Xnd, and Xrd installments of town taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> The Xth installment of town taxes for XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst and Xnd installments of town taxes for XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $11,237.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $7,451.39 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $1,111,962.06. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $1,111,962.06.<br> As per the collection comment dated xx/xx/2024, the reason for the default is servicing problems.<br> As per the collection comment dated xx/xx/2024, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2023.<br> As per the collection comment dated xx/xx/2023, the foreclosure was initiated on the loan in 2023. The complaint was filed on xx/xx/2024. As per the collection comment dated xx/xx/2024, the foreclosure was closed due to reinstatement. Further details not provided.<br> No post-close bankruptcy record has been found.<br> BWR has 11.5 years on the job as a managing director with xx.<br> Foreclosure Comments:As per the collection comment dated xx/xx/2023, the foreclosure was initiated on the loan in 2023. The complaint was filed on xx/xx/2024. As per the collection comment dated xx/xx/2024, the foreclosure was closed due to reinstatement. Further details not provided.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx. Boyd, and the lender, xxd/b/a xx, on xx/xx/2023. As per the modified term, the new principal balance is $1,161,698.59. The monthly xxis $7,451.39 with an interest rate of 6.125% beginning on xx/xx/2023 and a maturity date of xx/xx/2049. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxseller's tape data shows the loan was repurchased from the investor due to the Xst payment default and delinquency greater than XX days. The borrower xx. The loan has now been current for XX months and is due on xx/xx/XXXX. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $X,XXX,XXX.XX." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* xxloan fails the prohibited fees test.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX"<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect points - loan discount fee. xxdated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. xxdated xx/xx/XXXX reflects an appraisal fee of $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2400.80 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1103.67 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 653 | 718 | 43.914% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior mortgage against the subject property, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,441.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,103.67 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $166,851.90. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $166,851.90.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1 month on the job as a store manager at xx. Previously, BWR1 had 5.58 years on the job as a salesperson at xx.<br> BWR2 has 1.58 years on the job as an office assistant at the xx, BWR2 had 2.16 years on the job as a security officer at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxshows the property was sold below market value as a deed-restricted property; LTV based on sales price is XX%, while the appraisal reflects full market value. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows BWRX was not employed at closing. xxis XX.XX%. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X month on the job as a store manager at xx. BWRX has X.XX years on the job as an office assistant at the xx, FICO XXX, XXXX since inception, and $XXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1823.81 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3047.76 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 812 | 804 | 35.237% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $3,048.00 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $469,900.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the first payment date is xx/xx/2025. The current UPB reflected as per the payment history is $469,900.00.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 29.33 years on the job as a senior inside sales representative with xx.<br> BWR2 has 2 months on the job as a driver with xx. Previously, BWR2 had 1.41 years on the job as a driver with xx. Prior to that, BWR2 had 4.58 years on the job as a dispatcher with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxshows the loan fails QM points & fees test. Further details not provided. xxresult shows the loan failed QM point & fees test failed."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does not reflect points—the loan discount fee. CD dated xx/xx/XXXX reflects points—loan discount fee at $XXX.XX. Loan estimate dated xx/xx/XXXX does not reflect buydown/subsidy fee. CD dated xx/xx/XXXX reflects buydown/subsidy fee at $X,XXX.XX. <br> This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to fees charged $xx exceed the fees threshold of $xx by $XXX.XX. The below fees were included in the test: xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $XXX.XX xxpaid by Borrower: $XXX.XX xxpaid by Borrower: $XX.XX xxpaid by Borrower: $XXX.XX<br>The loan fails the qualified mortgage lending policy points and fees test due to fees charged, $xx exceed the fees threshold of $xx by $XXX.XX. The below fees were included in the test: xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $XXX.XX xxpaid by Borrower: $XXX.XX xxpaid by Borrower: $XX.XX xxpaid by Borrower: $XXX.XX"<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | \* Settlement date is different from note date (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "The final CD reflects the closing date as 9/XX/2025. The notary's signature date on the mortgage/deed of trust is 9/XX/2025. Note the date is 9/8/2025." | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $13331.14 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4096.70 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 712 | Not Applicable | 39.702% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installment of county taxes for XXXX/XXXX was paid in the amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,276.06 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,096.70 with an interest rate of 7.50%. The current UPB reflected as per the payment history is $581,427.40. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $581,427.40.<br> As per the tape, the subject property is owner-occupied.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR 1 has 2.83 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxtape shows the loan fails HPML test due to APR exceeds threshold of X.XX%. Further details not provided. xxresult shows the loan failed HPML test."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* xxtest xxloan failed the higher-priced mortgage loan test (xx)(xx)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx), and (xx)." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2497.00 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4483.71 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 728 | Not Applicable | 45.338% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,545.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,483.71 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $633,777.64. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $633,777.64.<br> As per the comment dated xx/xx/2025, the reason for the default is a payment dispute.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 1 month on the job as a manager at xx. Additionally, BWR has been SE for 3.08 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape shows the credit expired and the AUS recommendation to "intermediate." Further details not provided. xxreport in the file shows a risk recommendation of approve/eligible at DTI of XX.XX%. The subject loan originated on xx/xx/XXXX, FICO XXX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Property type is inconsistent with the tape (xxtype is inconsistent with the tape." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3781.00 | 10/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1697.77 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx | Unavailable |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 685 | 709 | 26.256% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,077.22 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,697.77 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $248,399.50. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $248,399.50.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the subject property was damaged due to hail on xx/xx/2025, and the borrower xx on xx/xx/2025. The loss draft check document is located at "xx". As per the owner's affidavit document located at "xx" the repairs have been completed. Further details are not provided. <br> BWR1 has been SE for 34.08 years at xx, BWR1 receives social security income. <br> BWR2 has 9 years on the job as a registered nurse at xx. xx, BWR2 has 2.66 years on the job as a registered nurse at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> Transmittal (xx) | xx | 3: Curable |  | \* xxis missing. (xx) are available in the loan file. Further details not provided. The subject loan originated on xx/xx/XXXX, FICO XXX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Property type is inconsistent with the tape (xx) is xxtransmittal summary is missing from the loan documents." |  |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $15212.27 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8408.99 | 11/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2007.79 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 803 | Not Applicable | 49.883% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX.<br> The annual combined taxes for XXXX are due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,283.15 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,007.79 with an interest rate of 7.737%. The current UPB reflected as per the payment history is $287,955.49. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $287,955.49.<br> As per the tape, the subject property is non-owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the document located at "xx" the subject property was damaged on xx/xx/2025, and all required improvements have been completed. Further details are not provided. <br> BWR has 1.83 years on the job as a lead strategy analyst with xx. Previously, BWR had 11.58 years on the job as a consumer product strategy analyst III with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject was approved as NOO at XX.XX%. Tape shows lender used rental income from REO that was not supported by tax returns or leases. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a lead strategy analyst with xx, FICO XXX, and $XXK equity in the subject. Review shows ATR confirmed." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6217.75 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3071.89 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 756 | Not Applicable | 39.684% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025 The last payment was received on xx/xx/2025 in the amount of $3,737.86 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,071.89 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $473,340.62. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $473,340.62. <br> As per the collection comment dated xx/xx/2024, the RFD is an excessive obligation. <br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 7 months on the job as a field technician at xx. Previously, BWR had 1.91 years on the job as a field technician with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the xxpublic guidelines) QM points and fees test due to fees charged of $xx exceed the fees threshold of $xx over by +$XXX.XX. The below fees were included in the test: xxpaid by Borrower: $xx xxpaid by Borrower: $XXX.XX.<br>The loan failed the qualified mortgage lending policy points and fees test due to fees charged of $xx exceed the fees threshold of $xx over by +$XXX.XX. The below fees were included in the test: xxpaid by Borrower: $xx xxpaid by Borrower: $XXX.XX."<br> \* Loan does not conform to program guidelines (xxshows IPC on the subject loan exceeds X%. LTV is XX%. FCD reflects a seller credit of $xx a sales price of $xx and IPC is at X.XXX%." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10721.38 | 10/24/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1590.03 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 807 | 807 | 16.880% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, xxsubject mortgage was re-recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,793.15 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,590.03 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $236,091.50. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $236,091.50.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the subject property was damaged on xx/xx/2025 due to water. There was interior damage to the bedroom and living area. The loss draft check in the amount of $xx was received on xx/xx/2025. The comment dated xx/xx/2025 states that the final check in the amount of $xx has been requested. The comment dated xx/xx/2025 states that all funds have been disbursed. As per the loss draft inspection report dated xx/xx/2025 located at "xx_xx," 100% of repairs have been completed, including repairs of bedrooms, baths, closets, living rooms, hallways, family rooms, offices, kitchens, pantries, and toilet room.<br> BWR1 has 1.41 years on the job as a turnaround planner at xx. Additionally, BWR1 received social security income. Previously, BWR1 has been SE as a consultant for 1.75 years. <br> BWR2 receives social security income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Property type is inconsistent with the tape (xxtype is inconsistent with the tape." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows the lender unable to verify the borrower's employment. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a turnaround planner at xx. Additionally, BWRX received social security income. BWRX receives social security income. FICO XXX, $XXXK equity in the subject. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $62311.34 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5978.76 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2632.19 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 746 | Not Applicable | 40.364% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are two prior child support liens against the borrower xx and xx," which were recorded on xx/xx/XXXX and xx/xx/XXXX. The amount of the lien is not available on the supporting documents.<br> There is a prior civil judgment against the borrower xx, an interinsurance exchange, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX-XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,306.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,632.19 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $423,347.33. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $423,347.33.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 4.75 years on the job as a caregiver with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Assets do not meet guidelines (xxtape indicates insufficient assets as required by xxbank statement shows an available balance of $X,XXX.XX, and the $XXK in gift funds does not meet the $XXK cash-to-close requirement. Gift letter for XXK is available on the loan file.The xxalso reflects a required cash to close of $XXxxdetails are not provided."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect transfer taxes. xxdated xx/xx/XXXX reflects transfer taxes at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-years SOL is active."<br> \* Missing or error on the xxsigned rate lock agreement is missing from the loan file." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8372.43 | 09/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1805.42 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 780 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a division of xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,805.42 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,805.42 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $246,495.93.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $246,495.93.<br> As per the tape, the subject property occupancy is stated as an investor.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR employment details are not available. BWR is a legal entity, and the subject loan was approved as DSCR.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan was repurchased today due to xxpayment history shows that the payment for the due date of xx/xx/XXXX was made on XX/X/XX and the payment for the due date of xx/xx/XXXX payment was made on XX/XX/XX. Loan is DSCR investment and is now paid current. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XXX,XXX.XX." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5761.94 | 10/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4076.84 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 742 | Not Applicable | 49.981% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a division of xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst, Xnd, and Xrd installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX, xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,753.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,076.84 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $644,170.07. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $644,170.07.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found. <br> BWR has 9.25 years on the job as a manager with xx. DBA Studio Beauty Salon. BWR is employed by the family member.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxis "xxloan fails the qualified mortgage lending policy points and fees test due to fees charged $xx exceed the fees threshold of $xx by $X,XXX.XX. The below fees were included in the test: xxpaid by Borrower: $xx xxpaid by Borrower: $XXX.XX xxpaid by Borrower: $XXX.XX"<br> \* xxfails. xxpublic guidelines) QM points and fees test due to fees charged $xx exceeds Fees threshold of $xx over by +$X,XXX.XX. The below fees were included in the test: xxpaid by Borrower: $xx xxpaid by Borrower: $XXX.XX xxpaid by Borrower: $XXX.XX" | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows income and asset misrepresentation, and BWR paid MB financial debt without supportive documents of payoff. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a manager with xx. DBA Studio Beauty Salon. BWR is employed by the family member, FICO XXX, XXXX since inception, and $XXXK equity in the subject." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $6114.51 | 10/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2039.39 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 798 | 790 | 22.272% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book #xx, page #xx, in the amount of $xx with xx, a division of xx<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,039.39 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,039.39 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $315,322.19. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $315,322.19.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 22.83 years on the job as a lead business analyst with the xx, BWR1 has been SE for 3.16 years at SPGAO. BWR2 has 6.08 years on the job as a cybersecurity staff engineer with xx. Additionally, BWR2 has been SE for 6.83 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows the lender did not document the HELOC loan payoff prior to closing. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has XX.XX years on the job as a lead business analyst with the xx, BWRX has X.XX years on the job as a cybersecurity staff engineer with xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. ATR confirmed at time of review." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx |  |  |  |  | xx |  |  |  |  |  |  |  | 11/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  | xx | xx |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,942.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,437.87 with an interest rate of 6.67%. The current UPB reflected as per the payment history is $741,667.65. | Collections Comments:According to the servicing comments, the current status of the loan is in collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $741,667.65.<br> As per the comment dated xx/xx/2025, the reason for default is payment dispute.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the loan has been modified with an effective date of xx/xx/2025 and modified UPB is $741,981.34.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2887.90 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1408.68 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | No Verification of Stated Assets | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 782 | Not Applicable | 24.111% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book #xx, page #xx, in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual installments of combined taxes for XXXX, XXXX, and XXXX have been paid in the total amount of $xx on different dates.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $1,408.68 with an interest rate of 6.625%. The current UPB reflected as per the tape is $220,000.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $1,408.68 with an interest rate of 6.625%. The current UPB reflected as per the tape is $220,000.00.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR qualified using asset depletion income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape reflects an increased DTI of XX.XX%. BWR sold a business and is started driving an UBER for X months. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR qualified using asset depletion income, FICO XXX, and $XXK equity in the subject." | \* Loan does not conform to program guidelines (xxshows credit deficiency. Further details are not provided. Subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 10/27/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2728.71 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | Yes | 805 | Not Applicable | 38.125% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,115.29 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,728.71 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $393,745.80. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $393,745.80.<br> As per the tape, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2024, the borrower xx. The date of loss is xx/xx/2025, and the borrower xx,819.55. As per the comment dated xx/xx/2025, all claim funds are received. The comment dated xx/xx/2025 states that all repairs are completed. No further information regarding damage/repairs was found in the comments.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the reason for the default.<br> BWR has 17.33 years on the job as an engineer with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject was closed without an appraisal report, closed using PDR, and the AUS report shows a hybrid appraisal inspection report is required on the loan. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect the property data report fee. The final CD dated xx/xx/XXXX reflects the property data report fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4411.42 | 11/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1331.85 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 787 | 790 | 43.793% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,320.83 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,331.85 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $204,938.97. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $204,938.97.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 3.25 years on the job as a director of business development with xx. BWR2 has 2.91 years on the job as a senior account manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows the lender omitted both the monthly HOA payment of $XXX.XX for the REO property and omitted the monthly child support payment of $XXX. xxis XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a director of business development with xx, BWRX has X.XX years on the job as a senior account manager with xx, FICO XXX, XXXX since inception, and $X,XXX residual income." | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The initial loan estimate dated xx/xx/XXXX does not reflect a mortgage broker fee. The final CD dated xx/xx/XXXX reflects a mortgage broker fee of $X,XXX.XX.<br> The initial loan estimate dated xx/xx/XXXX does not reflect property data report fee. The final CD dated xx/xx/XXXX reflects property data report fee of $XXX.XX.<br> This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $13832.02 | 10/10/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Unavailable | No | xx | Not Applicable | $7689.13 | 8.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 664 | Not Applicable | 49.976% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active DOJ lien against the borrower, xx, which was recorded on xx/xx/XXXX in the amount of $XXX,XXX.XX.<br> There is a prior IRS lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> There are three IRS liens against the borrower xx, which were recorded on different dates, in the total amount of $XXX,XXX.XX.<br> There is a prior civil judgment against the borrower xx., a corporation, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> There is a prior credit card judgment against the borrower xx, N.A., which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The annual installment of county taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX was paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,689.13 (xx), which was applied for the due date of xx/xx/2024. The current xxis $7,689.13 with an interest rate of 8.500%. The current UPB reflected as per the payment history is $986,340.31. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $986,340.31.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> Unable to determine the reason for the default.<br> xx, the borrower, xx, filed bankruptcy under Chapter 7 with the case # xx. xxwas discharged on xx/xx/2025.<br> BWR has 9 years on the job as a finance manager with xx.<br> Foreclosure Comments:Not Applicable<br> xx, the borrower, xx, filed bankruptcy under Chapter 7 with the case # xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $1,700,000.00. The unsecured portion is $0.00. xxwas discharged on xx/xx/2025. | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape defect shows repurchase from xxdue to early payment default. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $XXX,XXX.XX."<br> \* Missing or error on the xxrate lock agreement is missing from the loan file." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 10/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2897.40 | 6.375% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 3 Family | xx | xx | Primary | Yes | Yes | No | 733 | Not Applicable | 37.831% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior IRS lien against the borrower xx, in the amount of $xx which was recorded on xx/xx/XXXX.<br> There is one prior credit card judgment against the borrower xx,XXX.XX, which was recorded on xx/xx/XXXX.<br> Tax status to follow.<br> No prior year's delinquent taxes have been found.<br>| According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,676.27 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,897.40 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $334,133.62. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $334,133.62.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 28.16 years on the job as a server with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xx) | \* xxloan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br>This loan failed the Pennsylvania license validation test."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. Tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX.XX years on the job as a server with xx, FICO XXX, and $XXXK equity in the subject." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $9633.32 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4177.05 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 716 | Not Applicable | 49.954% | First | Final policy | Not Applicable | Not Applicable | 02/01/2025 | $667169.99 | Not Applicable | 7.125% | $4206.76 | 02/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, LTD.<br> There is an active UCC lien against the subject property in favor of XXXX, which was recorded on xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX/XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> The annual installment of water/sewer charges is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,131.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,206.72 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $664,649.38. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $664,649.38.<br> As per the comment dated xx/xx/2024, the reason for default is curtailment of income.<br> As per the comment dated xx/xx/2024, the trial plan was offered to the borrower xx,198.27, which was effective from xx/xx/2024 to xx/xx/2025. As per the comment dated xx/xx/2025, the loan was modified.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 1 month on the job as a XXXX at xx. BWR had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx. xx, and the lender, xx, on xx/xx/2025. As per the modified term, the new principal balance is $667,169.99. The monthly xxis $4,206.76 with an interest rate of 7.125% beginning on xx/xx/2025 and a maturity date of xx/xx/2065. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows BWR does not have sufficient income to support the monthly obligations. Rental income was insufficiently documented and miscalculated. xxis XX%. xxsubject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X month on the job as a XXXX at xx, FICO XXX, $XXXK equity in the subject, and $X,XXX residual income." | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $XX.XX." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2210.69 | 10/16/2025 | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1037.74 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 733 | Not Applicable | 43.010% | First | Final policy | Not Applicable | Not Applicable | 05/09/2024 | $249252.57 | $4400.00 | 3.125% | $894.26 | 06/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are X credit card judgments against the borrower xx., and xxtotal amount of $X,XXX.XX recorded on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025. The current xxis $894.26 with an interest rate of 3.125%. The current UPB reflected as per the PH is $242,250.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the PH is $242,250.00.<br> As per the tape and comment dated xx/xx/2025, the reason for default is loss of job. <br> As per the comment dated xx/xx/2024, the subject property is owner occupied.<br> As per the comment dated xx/xx/2023, the foreclosure was initiated and the complaint was filed on xx/xx/2023. As per the comment dated xx/xx/2024, the foreclosure was closed as the loan was reinstated. <br> The loan was modified on xx/xx/2024. <br> No details pertaining to the damage to the subject property have been observed.<br> No post-close bankruptcy record has been found.<br> BWR has 3.25 years on the job as an operator at xx.<br>Foreclosure Comments:As per the comment dated xx/xx/2023, the foreclosure was initiated and the complaint was filed on xx/xx/2023. As per the comment dated xx/xx/2024, the foreclosure was closed as the loan was reinstated. <br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower xx, and the lender, xx, on xx/xx/2024. As per the modified term, the new principal balance is $xx with the deferred balance of $4,400.00 and the interest-bearing principal balance of $244,852.57. The monthly xxis $894.26 with an interest rate of 3.1250% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no principal forgiven amount. | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxtape shows the appraisal certificate of completion is missing for the HUD certification/plate label. The file shows the appraisal certificate of completion is available for the HUD certification/plate label."<br> \* Loan does not conform to program guidelines (xxper the seller's tape, the first modified payment date is xx/xx/XXXX and the capitalized amount is $XX,XXX.XX. The loan was modified on xx/xx/XXXX. According to the tape as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB reflected as per the tape is $XXX,XXX.XX." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows income and debt miscalculation. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as an operator at xx. FICO XXX, $XXK equity in the subject."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Property is xxper the appraisal report, which is located at "xx" the subject property type is a manufactured home. The manufactured home rider attached with the recorded mortgage located at "Ln#xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx.XX%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7404.55 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4040.45 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 725 | 704 | 34.684% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,821.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,040.45 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $581,361.34. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $581,361.34.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.33 years on the job as a recruiting manager at xx. <br> BWR2 has 5.25 years on the job as an employee relations HR with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxsubject loan was closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a recruiting manager at xx. BWRX has X.XX years on the job as an employee relations HR with xx. FICO XXX, XXXX since inception." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $13039.36 | 10/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1764.14 | 5.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 35.432% | First | Final policy | Not Applicable | Not Applicable | 02/01/2017 | $335714.16 | Not Applicable | 3.500% | $1300.52 | 02/01/2017 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.J. xx.<br> There are X water, sewer, and utility liens against the subject property in favor of the xx, which were recorded on different dates in the total amount of $X,XXX.XX.<br> There is a civil judgment against the borrower xx," which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $xx on xx/xx/XXXX and on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,676.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,300.52 with an interest rate of 3.50%. The current UPB reflected as per the payment history is $295,189.46, and the deferred amount is $1,269.66.<br> As per the deferment agreement dated xx/xx/2024, which is located at "xx", the servicer deferred payments in the amount of $1,269.66. | Collections Comments:According to the servicing comments, the current status of the loan is collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $295,189.46, and the deferred amount is $1,269.66.<br> As per the servicing comment dated xx/xx/2024, the reason for the default is excessive obligation.<br> As per the servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the servicing comments dated xx/xx/2024, the borrower xx on a repayment plan.<br> The loan was modified on xx/xx/2017.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 13.83 years on the job as a ramp agent at xx.<br> BWR2 has 14.67 years on the job as an ops agent supervisor with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx. xx, and the lender, xx, on xx/xx/2017. As per the modified term, the new principal balance is $335,714.16. The monthly xxis $1,300.52 with an interest rate of 3.50% beginning on xx/xx/2017 and a maturity date of xx/xx/2057. There are no deferred balances or principal forgiven amounts. | xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> Missing or error on the xx<br> xx<br> xx | xx | 4: Unacceptable | \* xxrequired by guidelines (xxreport is missing from the loan documents."<br> \* xxis not active (xxout to seller to verify active MI status." | \* Assets do not meet guidelines (xxshows a gift letter for $XK, and the source of funds is missing from the loan file. The bank statement in the file shows assets of $XXXK, and the cash-to-close requirement is $X,XXX. Subject loan originated on xx/xx/XXXX and FICO XXX."<br> \* Loan does not conform to program guidelines (xxfile show credit documents such as an appraisal and all initial disclosures are missing. Further details not provided. Subject loan originated on xx/xx/XXXX and FICO XXX." | \* Cash out purchase (xxsubject loan is a purchase case. xxdated xx/xx/XXXX reflects cash to in the amount of $X,XXX.XX."<br> \* xxfailed per diem interest amount test due to fees charged $XXX.XX exceed fees threshold of $XX.XX over by +$XXX.XX."<br> \* xxloan failed the xxtest as the final TIL is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxis missing from the loan documents."<br> \* xxis missing. (xxcounseling disclosure is missing from loan documents."<br> \* xxmissing; loan has escrows (xxescrow account disclosure is missing from the loan document."<br> \* xxis xxis missing from the loan documents."<br> \* xxis xxis missing from the loan documents."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* xxreport is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* xxapplication signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Missing proof of hazard insurance (xxinsurance policy is missing from the loan documents."<br> \* xxservice providers list is missing from the loan documents."<br> \* xxmissing or unexecuted (xxtransfer disclosure is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3670.84 | 10/27/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1412.29 | 6.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 498 | Not Applicable | 26.843% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,017.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,412.29 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $213,717.31. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $213,717.31.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 22.83 years on the job as a store manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxtape shows the subject loan is not insured." | \* xxfailed the reimbursement amount and Consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase fee in the amount of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* xxfailed the xxpublic guidelines) QM points and fees test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$X,XXX.XX. The below fees were included in the test: xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $X,XXX.XX. Loan failed qualified mortgage lending policy points and fees test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$X,XXX.XX. The below fees were included in the test: xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $X,XXX.XX. Loan fails xxrebuttable presumption test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$X,XXX.XX. The below fees were included in the test: xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $X,XXX.XX."<br> \* Loan does not conform to program guidelines (xxshows the credit report was expired prior to closing, and the recent credit report obtained reflects a score of XXX, which was below the minimum allowed limit of XXX. Further details not provided. Subject loan originated on xx/xx/XXXX."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents." | \* xxis "xxfailed the xxsafe harbor threshold test due to the APR calculated at X.XXX% and the comparison data of the APR threshold at X.XXX%, which is under variance by - X.XXX%." |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $923.70 | Unavailable | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1604.70 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 701 | Not Applicable | 49.965% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active prior mortgage against the subject property, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx, a corporation.<br> There is an active prior credit card judgment against the borrower xx, a federally insured state-chartered credit union, in the amount of $xx which was recorded on xx/xx/XXXX and renewed on xx/xx/XXXX.<br> There is an active prior civil judgment against the borrower xx., an Arizona corporation dba xx, in the amount of $xx which was recorded on xx/xx/XXXX and renewed on xx/xx/XXXX.<br> The first installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan originated on xx/xx/2025 and first payment date is xx/xx/2025. According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $1,604.70 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $229,500.00. | Collections Comments:According to the servicing comments, the current status of the loan is in foreclosure.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $229,500.00.<br> As per the collection comment dated xx/xx/2025, the reason for default was illness of the primary mortgagor.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2025. As per the comment dated xx/xx/2025, the complaint was filed on xx/xx/2025. As per the comment dated xx/xx/2025, the foreclosure sale is scheduled for xx/xx/2026. As per the collection comment dated xx/xx/2025, currently the foreclosure is on hold due to loss mitigation. Further details are not found.<br> No post-close bankruptcy record has been found.<br>BWR has been SE for 24.83 years at xx<br> Foreclosure Comments:As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2025. As per the comment dated xx/xx/2025, the complaint was filed on xx/xx/2025. As per the comment dated xx/xx/2025, the foreclosure sale is scheduled for xx/xx/2026. As per the collection comment dated xx/xx/2025, currently the foreclosure is on hold due to loss mitigation. Further details are not found.<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation in charges that cannot increase the test due to an increase of fee in the final CD dated xx/xx/XXXX. xxdated xx/xx/XXXX xx,XXX.XX The final CD dated xx/xx/XXXX reflects xx,XXX.XX. This is a fee increase of +$X,XXX.XX for the X% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a refinance case that originated on xx/xx/XXXX, and the SOL is active."<br> \* Loan does not conform to program guidelines (xxshows xxpayment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current xxis $X,XXX.XX with an interest rate of X.XXX%. The current UPB reflected as per the payment history is $XXX,XXX.XX." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $7443.14 | 10/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $433.92 | 8.500% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 745 | Not Applicable | 39.019% | Second | Unavailable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active prior mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $433.92, which was applied for the due date of xx/xx/2025. The current xxis $433.92 with an interest rate of 8.500%. The current UPB reflected as per the payment history is $48,986.22. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $48,986.22.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 24.66 years on the job as an emergency medical technician at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Guideline is missing (xxis manual underwritten loan. Reaching out to the seller for the guidelines." | \* Loan does not conform to program guidelines (xxper the seller's tape, "xxpayment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XX,XXX.XX." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $10194.06 | 11/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $714.37 | 9.250% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 667 | 662 | 44.563% | Second | Unavailable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There is an active prior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The Xst and Xnd installments of county taxes for XXXX-XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $714.37, which was applied for the due date of xx/xx/2025. The current xxis $714.37 with an interest rate of 9.250%. The current UPB reflected as per the payment history is $76,046.54. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $76,046.54.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 7 years on the job as a human resources officer at xx.<br> BWR2 has 6.83 years on the job as a teacher at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Guideline is missing (xxis manual underwritten loan. Reaching out to the seller for the guidelines." | \* Loan does not conform to program guidelines (xxshows xxpayment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XX,XXX.XX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5490.78 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3982.03 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 790 | Not Applicable | 46.378% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first and second installments of combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,982.03 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,982.03 and the interest rate is 6.500%. The current UPB reflected as per the payment history is $622,958.33. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $622,958.33.<br> As per the seller's tape, the property occupancy is stated as an investor.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 6.66 years on the job as a director of operations at xx. Additionally, BWR has been SE owning multiple businesses for 19.33 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject loan closed with an electronically signed note. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* xxtape and appraisal report show the appraisal failed to adjust properly for the comps, sale date, condition, age of properties, and physical dissimilarities to arrive at an appraised value of $XXXxxcomp #xx, with a sales price of $XXXK, is most similar to the subject property, however had a sale date XX months prior to the appraisal date and no time adjustment. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5893.00 | 10/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1398.44 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 797 | 728 | 31.095% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior criminal judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual taxes for the year XXXX are in the total amount of $X,XXX.XX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,728.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,398.44 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $218,207.31. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $218,207.31.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.41 years on the job as an assistant new home advisor with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed revised LE timing requirement test due to the revised LE and initial CD issued on the same date of xx/xx/XXXX."<br> \* xxloan failed state regulations for xx."<br> \* xxis missing. (xxcounseling disclosure is missing from loan documents."<br> \* Loan does not conform to program guidelines (xxfile show the homebuyer education certificate is missing. BWR completed the homebuyer education certificate postclosing the loan." |  |  | Moderate | Pass | Pass | No Result | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $30.02 | 10/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2642.93 | 6.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 635 | Not Applicable | 53.901% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX are due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,532.62 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,642.93 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $399,731.62. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $399,731.62.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.83 years on the job as a senior crew chief with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—a loan discount fee at $X,XXX.XX. xxdated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br> Loan failed charges in total cannot increase more than XX% tolerance test. xxdated xx/xx/XXXX reflects the sum of xxfees and recording fees at $XXX.XX. xxdated xx/xx/XXXX reflects the sum of xxrecording fee at $X,XXX.XX. This is a cumulative increase of $X,XXX.XX for charges that in total cannot increase more than XX%. COC for the increase in fee is missing from the loan documents.<br> The subject is purchase case originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* xxis missing. (xxcounseling disclosure is missing from loan documents."<br> \* Loan does not conform to program guidelines (xxshows the subject does not qualify for manual underwriting, and AUS returned a Refer recommendation. Further details not provided."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* xxsettlement service providers list is missing from the loan documents." | \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash in the amount of $XXXX.XX." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $282.86 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $832.94 | 7.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 556 | Not Applicable | 52.907% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual county taxes for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,110.03 (xx), which was applied for the due date of xx/xx/2025. The current xxis $832.94 with an interest rate of 7.250%. The current UPB reflected is $119,699.83. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected is $119,699.83.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 7.83 years on this job as a bus driver with xx. Additionally, BWR has 8.33 years on the job as a secretary with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxloan failed the xxcoverage conflict validation test due to the loan contains multiple disclosures, including a PCCD, and the data required for determining TILA coverage conflicts between the PCCD and the last disclosure given at or prior to consummation."<br> \* Loan does not conform to program guidelines (xxsubject was closed with a new FHA case number XXX-XXXXXXX-XXX, and the appraisal report in the file had the old FHA case number XXX-XXXXXXX, and the lender did not order an appraisal with the new FHA case number."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* Property is xxper the appraisal report, which is located at "xx" the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4158.74 | 10/14/2025 | Not Applicable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $912.71 | 3.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 670 | Not Applicable | 44.425% | First | Short Form Policy | Not Applicable | Not Applicable | 08/21/2025 | $240553.03 | Not Applicable | 3.490% | $930.44 | 10/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx., dba xx<br> There are two code enforcement liens against the subject property in favor of the xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX. Supportive documents do not reflect the lien amount.<br> There is an active junior UCC lien against the subject property in favor of xx, NA, which was recorded on xx/xx/XXXX.<br> There is a state tax lien against the borrower xx. Scott, xx, and the xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> There is a civil judgment against the borrower xx, a California corporation, et al., which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,456.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $930.44 with an interest rate of 3.490%. The current UPB reflected as per the payment history is $240,317.31. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $240,317.31.<br> As per the comment dated xx/xx/2025, the reason for default is curtailment of income.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2025.<br> As per the servicing comment dated xx/xx/2025, the foreclosure was initiated in 2025 with the loan. As per the servicing comment dated xx/xx/2025, the foreclosure has been put on hold due to loss mitigation. Further details are not provided.<br> No post-close bankruptcy record has been found.<br> BWR has 12.33 years on the job as an executive secretary with xx. Additionally, BWR has 11.33 years on the job as a caregiver with xx.<br> Foreclosure Comments:As per the servicing comment dated xx/xx/2025, the foreclosure was initiated in 2025 with the loan. As per the servicing comment dated xx/xx/2025, the foreclosure has been put on hold due to loss mitigation. Further details are not provided.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx. Hayward, and the lender, xx, on xx/xx/2025. As per the modified term, the new principal balance is $240,553.03. The monthly xxis $930.44 with an interest rate of 3.490% beginning on xx/xx/2025 and a maturity date of xx/xx/2065. There is no deferred balance and principal forgiven amount. |  | xx | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (xx) | \* Loan does not conform to program guidelines (xx). The modification agreement was made on xx/xx/XXXX." | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows an increase in DIT of XX.XX%. Further details not provided. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has XX.XX years on the job as an executive secretary with xx. Additionally, BWR has XX.XX years on the job as a caregiver with xx, FICO XXX, $XXK equity in the subject, and residual income of $X,XXX."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $XXX.XX. This is decrease of +$XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents.<br> The subject loan is refinance case originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, the borrower's income is $X,XXX.XX, and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx, and its recommendation is "Accept" with a DTI of XX.XX%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2714.55 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $875.83 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | 738 | Not Applicable | 48.596% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,180.46 (xx), which was applied for the due date of xx/xx/2025. The current xxis $875.83 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $129,259.23.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $129,259.23.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.58 years on the job as a business development specialist with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxshows the subject condo project is ineligible for sale to agencies due to critical repairs that are still incomplete. The subject loan closed without appraisal (xx), and the condo questionnaire shows the association has borrowed $X.XM for multiple repairs that are critical in nature. The repairs include, but are not limited to, roof repairs and replacement, garage roof repairs. An engineer inspection report by a licensed professional verifying the completion of repairs and structural integrity is missing from the loan documents. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2639.68 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1119.39 | 6.490% | 300 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 660 | Not Applicable | 55.060% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The Xst, Xnd, and Xrd installments of county taxes for XXXX/XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> The Xth installment of county taxes for XXXX/XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,519.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,119.39 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $162,613.50. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $162,613.50.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 1 month on the job as a behavioral health juvenile justice specialist with xx. BWR1 had prior employment experience as a juvenile specialist with xx.25 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show the AUS recommendation is refer and does not qualify for manual xxdetails not found. The subject was approved at XX%. Subject loan originated on xx/xx/XXXX, FICO XXX, and XXXX since inception."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3114.85 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3176.92 | 4.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 743 | 796 | 36.379% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,719.53 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,176.92 with an interest rate of 4.500%. The current UPB reflected as per the payment history is $588,937.84. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $588,937.84.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.41 years on the job as an engineering manager with xx. Previously, BWR1 had 8.66 years on the job as a lead engineer with xx. <br> BWR2 has 3.83 years on the job as an xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> xx<br> xx | xx | 3: Curable |  | \* xxshows APR exceeded the APOR by X.XX% rendering the loan non-QM and ineligible for sale. Further details not provided. xxresults show the loan failed the APR test."<br> \* Loan does not conform to program guidelines (xxshows the revised FICO of BWR could not be determined due to a credit freeze. Further details not provided." | \* xxis "xxloan failed the QM safe harbor threshold test due to the APR being calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. The loan failed the xxthreshold test due to the APR being calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%."<br> \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$XXX.XX. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired.<br>The TRID total of payment disclosed on the final CD is $X,XXX,XXX.XX. The calculated total of payments is $xx for an under disclosed amount of -$XXX.XX. The disclosed total of payments of $xx is not considered accurate because it is understated by more than $XXX. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete due to xxinitial CD are missing from loan documents.<br>The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxloan failed xxpublic guidelines). xxtest is due to the APR being calculated at X.XXX%; it exceeds the APR threshold of X.XXX% by +X.XXX%."<br> \* xxis missing. (xxcounseling disclosure is missing from the loan documents."<br> \* Loan program disclosure missing or unexecuted (xxloan program disclosure is missing from the loan documents."<br> \* xxinitial closing disclosure is missing from the loan documents."<br> \* xxinitial loan estimate is missing from the loan documents."<br> \* xxsettlement service providers list is missing from the loan documents."<br> \* xxmissing or unexecuted (xxservicing transfer disclosure is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7032.68 | 11/04/2025 | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1699.41 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 749 | Not Applicable | 16.520% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, INC.<br> No active judgments or liens have been found.<br> For xx<br> The first and second installments of county taxes for XXXX-XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first installment of county taxes for XXXX-XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> For xx<br> The first and second installments of county taxes for XXXX-XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first installment of county taxes for XXXX-XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,368.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,699.41 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $238,495.68. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $238,495.68.<br> The loan has not been modified since origination.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the reason for default is excessive obligations.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2025. As per the comment dated xx/xx/2025, the foreclosure file has been closed due to the loan reinstatement.<br> No post-close bankruptcy record has been found.<br> BWR has 6.9 years on the job as an owner with xx.<br> Foreclosure Comments:As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2025. As per the comment dated xx/xx/2025, the foreclosure file has been closed due to the loan reinstatement.<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows repurchase xxloan is now current. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XXX,XXX.XX." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9486.52 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3669.07 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 790 | Not Applicable | 36.477% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,489.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,669.07 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $267,313.28.<br> There is a large principal curtailment payment for the amount of $xx on xx/xx/2024. As per the comment dated xx/xx/2024, the borrower xx,000.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $267,313.28.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.75 years on the job as a vice president of legal and HR at xx. Additionally, BWR receives dividend income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows borrower was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a vice president of legal and HR at xx. Additionally, BWR receives dividend income. FICO XXX, XXXX since inception."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation in charges that cannot increase the test due to the increase of the fee in the final CD dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX does not reflect points—loan discount fees. The final CD dated xx/xx/XXXX reflects xx,XXX.XX. This is a fee increase of $X,XXX.XX for the X% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. <br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7491.44 | 11/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2135.02 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 783 | Not Applicable | 46.744% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX is paid in the amount of $xx on xx/xx/XXXX.<br> The annual installment of utility charges for XXXX is paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utility charges for XXXX is delinquent in the amount of $X,XXX.XX as of xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,098.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,135.02 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $324,176.17. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $324,176.17.<br> Unable to determine the RFD.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.25 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$XXX.XX. The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year."<br> \* Loan does not conform to program guidelines (xxshows the real estate agent on the subject loan is on the Freddie exclusionary list. Further details not provided." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5260.50 | 10/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3041.19 | 6.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 740 | 771 | 51.196% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.X on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,928.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,041.19 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $481,213.73. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $481,213.73.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.33 years on the job as a client relations manager with xx.<br> BWR2 has 4.58 years on the job as a sales account manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows the debt miscalculation, as the lender did not document payoff evidence of REO mortgage debt prior to closing. xxis XX.XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a client relations manager with xx, and BWRX has X.XX years on the job as a sales account manager with xx, FICO XXX, $XXK equity in the subject, and $X,XXX residual income. ATR confirmed at time of review." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $846.62 | 11/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1895.10 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 666 | Not Applicable | 42.051% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior mortgage that was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are X active prior judgments against the borrowers in favor of xx., an Idaho corporation, and xx, N.A, which were recorded on different dates in the total amount of $XX,XXX.XX.<br> There are X junior judgments against the borrowers in favor of different plaintiffs, which were recorded on different dates in the total amount of $XX,XXX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,119.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,895.10 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $273,803.60. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $273,803.60.<br> As per the collection comment dated xx/xx/2025, the reason for the default is unemployment.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.58 years on the job as a quality assurance inspector at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows divorce buy out of property not supported. xxis not provided to support buy out specifications. File shows the subject loan is a refinance, and the property ownership was acquired through divorce from ex-spouse, who gave up the title right through a quitclaim deed on xx/xx/XXXX. Further details not provided. Subject originated on xx/xx/XXXX" | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxfails qualified mortgage lending policy points and fees test due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Property is xxper the appraisal report, which is located at "xx" the subject property type is a manufactured home. The manufactured home rider attached to the recorded mortgage located at "Ln#xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $801.85 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1552.75 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 720 | Not Applicable | 42.696% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There is an active prior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The first installment of county tax for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The second installment of county tax for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,772.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,552.75 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $239,624.65. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $239,624.65.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 1.41 years on the job as a carpenter with xx. Previously, BWR had 2.58 years on the job as a carpenter with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxsupporting document needed to verify PMI activation is missing." | \* Loan does not conform to program guidelines (xx). xxreflects seller credit of $X,XXX. Further details not provided."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $147.73 | $568.21 | 10/27/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1482.20 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 772 | Not Applicable | 49.092% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior mortgage against the subject property that was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, a division of the xx, a state agency, in the amount of $X,XXX.XX.<br> The first installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The third and fourth installments of county taxes for XXXX are due in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> The second installment of county taxes for XXXX is delinquent in the amount of $XXX.XX, which is good through xx/xx/XXXX. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,635.55 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,482.20 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $224,860.24. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $224,860.24.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 9.66 years on the job as a flight attendant at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxis "xxfailed xxcharge disclosed on post CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of $X,XXX.XX.<br> Subject loan is a purchase case, originated on X/XX and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows qualifying income used by the lender exceeds the maximum income limit permitted under the bond program guidelines. Further details not provided. Subject loan originated on xx/xx/XXXX, FICO XXX, and XXXX since inception."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1713.55 | 10/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2165.52 | 6.125% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | No | Not Applicable | Unavailable | Unavailable | Not Applicable | 41.284% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,402.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,165.52 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $355,705.45. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $355,705.45.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 receives SSI and retirement income.<br> BWR2 has 21.16 years on the job as a registered nurse with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> xx<br> xx<br> Missing or error on the xx<br> Transmittal (xx) | xx | 3: Curable |  | \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete due to xxis missing from the loan documents."<br> \* xxis missing. (xx) is xxfinal xxtransmittal summary is missing from the loan documents." |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1740.21 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1157.63 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 807 | Not Applicable | 32.403% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page # xx.<br> No active judgments or liens have been found.<br> The Xst installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,368.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,157.63 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $181,627.20. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $181,627.20.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 7 months on the job as a local registered nurse with xx. <br> Previously, BWR had 2 years on the job as a clinical nurse with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxwas approved as xxshows the subject is xxsearch shows property was listed for rent. Further details not provided. Elevated for client review." | \* xxloan failed the revised loan estimate delivery date test (xx) due to one of the following findings: The revised loan estimate delivery date is less than seven business days before the consummation date."<br> \* xxloan failed the TRID disclosure delivery date validation test. The revised loan estimate delivery date is on the initial closing disclosure."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. Tape shows the subject is NOO, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a local registered nurse with xx, FICO XXX, XXXX since inception, and $XXK equity in the subject." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $23247.94 | 10/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $12976.57 | 6.124% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 772 | 773 | 44.277% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual first and second installments of county (xx) taxes for XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $15,605.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $12,976.57 with an interest rate of 6.124%. The current UPB reflected as per the payment history is $2,131,736.68. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $2,131,736.68.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 6 months on the job as a registered nurse at the xx, BWR1 had 4 years on the job as a critical care nurse at the xx, BWR1 receives VA benefits income.<br> BWR2 has been SE as medical practice for 10.16 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan was not eligible for standard VA underwriting, as the BWRX has no VA entitlement. This reduced the total guaranty to less than XX%, requiring the loan to be underwritten as a veteran/non-veteran scenario. As delivered, the loan is only insured for $XXXK, which is XX.X% of the loan amount. Further details not provided. subject originated on xx/xx/XXXX." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $3957.24 | 10/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1453.69 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 719 | Not Applicable | 44.606% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one prior active state tax lien against the borrower xx, in the amount of $XXX.XX, which was recorded on xx/xx/XXXX.<br> There are three municipal liens found against the subject property in the total amount of $X,XXX.XX in favor of the xx, which were recorded on different dates.<br> The annual installment of city taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,951.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,453.69 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $216,471.35. | Collections Comments:According to the servicing comments, the current status of the loan is collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $216,471.35.<br> As per the comment dated xx/xx/2025, the reason for default is excessive obligations.<br> According to the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comments dated xx/xx/2024, and xx/xx/2025, the subject property was damaged due to fire, and the date of loss is xx/xx/2024. The borrower xx,119.02. No comment indicating the completion of repairs has been found. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE as a truck driver for 19.5 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxfile show the subject has structural, health, and safety concerns, including a fire-damaged shed exterior and roof, loose and uneven second-floor wood steps, exterior brick cracks, and damaged/stained bedroom flooring. The estimated cost to cure is not available in the loan file. An inspection report by a qualified licensed professional is missing from the loan documents. The final CD does not reflect the escrow holdback amount."<br> \* xxloan failed the initial closing disclosure delivery date test. The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business<br> days before the consummation date."<br> \* Loan does not conform to program guidelines (xxtape shows the loan is delinquent. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XXX,XXX.XX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br>This loan failed the Pennsylvania license validation test."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. LE dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4566.90 | 10/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $716.29 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 823 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,150.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $716.29 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $104,752.77. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $104,752.77.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is stated as an investor occupancy.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxappraisal report is as-is. The supplemental addendum of the appraisal report shows smoke detectors were missing. The estimated cost to cure is not available in the loan file. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Loan does not conform to program guidelines (xxtape shows a defect as xxpayment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XXX,XXX.XX. Further details were not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $5813.19 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $1512.88 | $2082.39 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 716 | Not Applicable | 49.919% | First | Preliminary title policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX in the amount of $xx with xx., a corporation.<br> There is an active prior mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with instrument/book/Page xx/XX.<br> The annual county taxes for XXXX-XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| The loan was originated on xx/xx/2025, as an interest-only loan with the first payment due on xx/xx/2025. According to the tape as of xx/xx/2025, the next due date is xx/xx/2025. The borrower xx only interest-only payments of $1,512.88 for the first 120 months. After the 120 months, the borrower xx and interest-only payments for the remaining terms in the amount of $2,082.39 with an interest rate of 6.500%. The current UPB reflected as per the tape is $279,300.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the tape as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB reflected as per the tape is $279,300.00.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2 years on the job as a clerk at xx. Additionally, BWR receives pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX.<br>This loan failed the amortization test.<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2895.48 | 10/02/2025 | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $864.03 | 3.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 646 | Not Applicable | 41.840% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of the xx, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with instrument #xx.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,236.28 (xx), which was applied for the due date of xx/xx/2025. The current xxis $864.03 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $167,261.80. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $167,261.80.<br> As per the comment dated xx/xx/2025, the reason for default is excessive obligations.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> As per the comment dated xx/xx/2024, the foreclosure was initiated on the loan on xx/xx/2024. As per the comment dated xx/xx/2025, the FC was closed due to loan reinstatement.<br> No post-close bankruptcy record has been found.<br> BWR has 1.25 years on the job as a bus office specialist at xx. Additionally, BWR receives child support income. Previously, BWR had multiple jobs in the last two years.<br> Foreclosure Comments:As per the comment dated xx/xx/2024, the foreclosure was initiated on the loan on xx/xx/2024. As per the comment dated xx/xx/2025, the FC was placed on hold awaiting reinstatement funds. As per the comment dated xx/xx/2025, the FC was closed due to loan reinstatement.<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxout to seller to verify active MI status. The tape shows the subject loan is uninsured."<br> \* MI, xxmissing and required (xxshows subject is not FHA insured." | \* Loan does not conform to program guidelines (xxshows the non-borrower is on the title and vesting docs. The subject note has X borrower, xx. As per the updated title report, the subject property was acquired by xxon xx/xx/XXXX through a warranty deed, which was recorded on xx/xx/XXXX. The subject mortgage was originated with xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9240.25 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4033.54 | 6.624% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 795 | 801 | 38.811% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,550.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,033.54 and the interest rate is 6.624%. The current UPB reflected as per the payment history is $626,617.99. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $626,617.99.<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 25.66 years at xx<br> BWR2 has 8.16 years on the job as an IT professional at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxtape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XXXxx, with a sales price of $XXXK, is like kind house to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2737.64 | 11/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $832.04 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 682 | Not Applicable | 49.509% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of the xxamount of $X,XXX.XX, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with the instrument #xx.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,296.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $832.04 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $123,201.95. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $123,201.95.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4 months on the job as an xx. Previously,<br> BWR had 3.91 years on the job as a fire protection with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show the credit report dated xx/xx/XXXX had expired, as it was more than XXX days at closing. Further details not provided." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape reflects an increased DTI of XX.XX%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as an xx., a FICO of XXX, XXXX since inception, and $X,XXX residual income. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1697.00 | 11/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1075.20 | 7.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 728 | 727 | 56.753% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of xxamount of $X,XXX.XX which originated on xx/xx/XXXX and recorded on xx/xx/XXXX with the instrument #xx.<br> The Xst annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,364.20 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,075.20 with an interest rate of 7.750%. The current UPB reflected as per the payment history is $146,918.82. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $146,918.82.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> BWR1 has 8.33 years on the job as a bartender with xx. Additionally, BWR1 receives TIP income.<br> BWR2 has 29.58 years on the job as a support administrator with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxout to seller to verify active MI status. The tape shows the subject loan is uninsured." | \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$XX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. <br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows the subject loan is not FHA insured, as the non-occupant co-borrower is not a family member. Non-occupant BWR on note is a family friend and is not on title or the mortgage. Further details not provided. Subject loan originated on xx/xx/XXXX, FICO XXX, and XXXX since inception."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents"<br> \* Property type is inconsistent with the tape (xxtype is inconsistent with the tape." | \* Cash out purchase (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx). <br>Loan failed xxthreshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed xxthreshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%." |  | Moderate | Pass | Pass | Pass | Pass | No Result | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9707.43 | 10/24/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2149.16 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 795 | Not Applicable | 48.962% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,326.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,149.16 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $314,937.38. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $314,937.38.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.33 years on the job as a senior accountant at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxloan closed without an appraisal. PIW disclosure signed by the borrower xx. Zillow search shows an estimated value at $XXXK. Current UPB is $XXXK."<br> \* xxviolations (xxclosing disclosure is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows BWR was not employed at closing. The revised DTI is XX.XX%. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a senior accountant at xx, FICO XXX, XXXX since inception, $XXXK equity in subject and $X,XXX residual income." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2076.00 | 11/24/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $957.92 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 730 | Not Applicable | 38.273% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page # xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,401.85 (xx), which was applied for the due date of xx/xx/2025. The current xxis $957.92 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $135,954.22. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $135,954.22.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.5 years on the job as an assistant manager at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the Kansas license validation test."<br> \* Loan does not conform to program guidelines (xx) both located on the same parcel (#xx. This makes the loan ineligible for delivery to xxsearch shows an estimated value of $XXXK. Current UPB is $XXXK." | \* xxtest xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%."<br> \* Property is xxper the appraisal report, which is located at "xx" the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "Ln#xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Not Covered | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3031.82 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $663.56 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 758 | Not Applicable | 40.412% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active sewer lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,121.40 (xx), which was applied for the due date of xx/xx/2026. The current xxis $663.56 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $91,494.69. | Collections Comments:As per the servicing comment, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $91,494.69. <br> Unable to determine the reason for the default.<br> As per the servicing comment dated xx/xx/2025, the subject property is occupied by an unknown.<br> The appraisal report is completed as is. The photo addendum located at 588438_xxpage #xx. The cost of repair is not available. No evidence is available to confirm the current status of repairs.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 3.33 years at xx<br> Additionally, BWR has been SE for 1.83 years at xx<br> Additionally, BWR has been SE for 1.66 years at xx<br> Additionally, BWR has been SE for 2 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan is NOO and was approved at XX.XX%. Tape shows SE income miscalculation, as depreciation used by the lender is not supported by xxguidelines. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE for X.XX years at xx, FICO XXX, and $XXK equity in the subject."<br> \* xxis missing (xxlease agreement is missing from the loan documents. Seller confirmed lease agreement is not available." | \* Appraisal incomplete (xx) (xxreport is as is, and the comment addendum shows interior and exterior repairs. The estimated cost of repairs is not available. XXXXD is missing from the loan document, and the final CD does not reflect the escrow holdback." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $0.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5941.66 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3269.98 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 727 | 711 | 47.361% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $3,269.98 with an interest rate of 6.990%. The current UPB as per payment history is $492,000.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $492,000.00.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.58 years on the job as a life sciences sales manager with xx.<br> BWR2 has 2.58 years on the job as a project coordinator with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxclosed the loan without paying off debts required to qualify. Lender defect. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx.X years, BWR X is employed with xx.X years, FICO XXX, $X,XXX residual income, $XXK reserves and $XXXK equity in the subject property." | \* xxloan failed the revised closing disclosure delivery date test, as the revised closing disclosure receipt date provided is after the consummation date." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $12195.35 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 0.000% | 120 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are XX junior mortgages against the subject property. The first junior mortgage is in favor of the xxamount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx. The second junior mortgage in favor of the xx, a municipal corporation, in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx. The third junior mortgage against the subject property in favor of xx., a not-for-profit corporation, in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The subject mortgage originated as a second on xx/xx/2025 in the amount of $32,000.00. Per the tape and documents, these loans have a 0% interest rate and will be payable at the maturity date. | Collections Comments:The current status of the loan is performing.<br> The subject mortgage originated as a second on xx/xx/2025 in the amount of $32,000.00. Per the tape and documents, these loans have a 0% interest rate and will be payable at the maturity date.<br> As per tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan was not repurchased as certain conditions that required to be cleared were not done with the XXX-delivery deadline. SONYMA and BWR/Seller disagree on the acquisition cost, as the seller refuses to sign until SONYMA is in agreement with the acquisition cost amount. Subject property title ownership is a leasehold; final CD reflects sales price of $xx Seller affidavit located at xx."<br> \* xxis xxsubject property is leasehold. The subject leasehold agreement is in the file located at xx, and the leasehold term expires xx/xx/XXXX. The maturity date is not available on mortgage document. As per note, the loan matures on xx/xx/XXXX. As per the tape defect leasehold expiration must be noted in the title report. Ground lease recording info to be cited on schedule xxtitle policy is missing for the subject loan." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1403.32 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Secondary | Yes | Yes | No | 798 | 800 | 40.313% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,654.53 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,403.32 with an interest rate of 8.125%. The current UPB reflected as per the payment history is $188,500.43. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $188,500.43.<br> As per the tape, the subject property is a secondary home.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 & BWR2 receive social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxfile show the subject is a single-wide mobile home that was approved as a second home, a combination that is not allowed under GSE guidelines, rendering the property ineligible. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* xxis "xxfailed xxthreshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%."<br> \* Property is xxper the appraisal report, which is located at "xx" the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "Ln#xx." |  | Elevated | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1223.65 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $389.29 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 763 | Not Applicable | 41.790% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of city taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, with the first payment date on xx/xx/2025. According to tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current xxis $389.29 with an interest rate of 6.375%. The current UPB reflected as per the tape data is $62,400.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> The loan was originated on xx/xx/2025, with the first payment date on xx/xx/2025. According to tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB is $62,400.00.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br>BWR receives social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects xx.XX. CD dated xx/xx/XXXX reflects xx.XX. The loan estimate dated xx/xx/XXXX does not reflect the xx. xxdated xx/xx/XXXX reflects the xx.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents."<br> \* xxtape shows the subject condo project is non-warrantable, as the condo project does not carry flood insurance to cover the units and common elements, and unit owners have their personal flood insurance. An individual flood insurance policy for the subject property is available in the file. The condo questionnaire shows the condo association has active litigation. The litigation is a cross-claim between two unit owners. Further details not provided. Zillow shows an estimated value of $XXK. Current UPB $XXK." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12195.35 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1216.27 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 766 | Not Applicable | 37.852% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are X junior mortgages against the subject property. The first junior mortgage against the subject property is in favor of xxamount of $xx which was originated on xx/xx/XXXX and was recorded on xx/xx/XXXX, the second junior mortgage against the subject property is in favor of xx, a public benefit corporation created and existing as a subsidiary of the xx, in the amount of $xx which was recorded on xx/xx/XXXX, the third junior mortgage against the subject property is in favor of the xx, a municipal corporation, in the amount of $xx and was recorded on xx/xx/XXXX, and the fourth junior mortgage against the subject property in favor of xx., a not-for-profit corporation, in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX.<br> The Xst and Xnd installments of combined taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,515.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,216.27 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $186,205.66. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $186,205.66.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has 8.41 years on the job as a special education teacher with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan was not repurchased as certain conditions that required to be cleared were not done with the XXX-delivery deadline. SONYMA and BWR/Seller disagree on the acquisition cost, as the seller refuses to sign until SONYMA is in agreement with the acquisition cost amount. Subject property title ownership is a leasehold; final CD reflects sales price of $xx Seller affidavit located at xx."<br> \* xxis xxper final title policy, the subject property is leasehold. The subject leasehold agreement is in the file located at xx, and the leasehold term expires xx/xx/XXXX, and the mortgage matures on xx/xx/XXXX. As per the tape defect leasehold expiration must be noted in the title report. Ground lease recording info to be cited on schedule BII." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3855.68 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $537.31 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 742 | Not Applicable | 42.255% | Second | Final policy | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with instrument #xx.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The subject loan was originated on xx/xx/2025 and the first payment is due on xx/xx/2025. According to tape data as of xx/xx/2025, the next due date is xx/xx/2025. The first payment is due for xx/xx/2025. The current xxis $537.31 with an interest rate of 7.75 %. The current UPB reflected as per the tape data is $75,000.00. | Collections Comments:The current status of the loan is performing.<br> The subject loan was originated on xx/xx/2025 and the first payment is due on xx/xx/2025. According to tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB reflected as per the tape data is $75,000.00.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner occupied. <br>BWR has 2.91 years on this job as an office manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test.<br> xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. <br> xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows the final CD was signed with the right to cancel, which was not provided early but was issued in person on the closing day. Relevant information was missing from pages X and X of the final xxwas issued to cure tolerance violations and reflect that all pages contained complete data." |  |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4279.91 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2190.64 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 740 | Not Applicable | 36.594% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior mortgage against the subject property that was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a municipal corporation.<br> The first and second installments of county and other taxes for XXXX/XXXX and XXXX/XXXX(xx) are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,783.34 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,190.64 and the interest rate is 7.500%. The current UPB reflected as per the payment history is $312,598.09. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $312,598.09.<br> As per the seller's tape, the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.41 years on the job as an audio engineer at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and Recording fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of xxfee at $X,XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxshows the condo project is not approved by xxcondo questionnaire does not show any damage, repair, or assessment planned. The file shows the the condo association is involved in active litigation with a judgment amount of $XXxxsearch shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7733.65 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5097.77 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 803 | Not Applicable | 46.827% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a prior civil judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> There are X prior child support liens against the borrower xx and xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX. The amount is not mentioned in the supportive document.<br> The first and second installments of county taxes for XXXX/XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of supplemental county taxes for XXXX/XXXX are due in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,097.77 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,097.77 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $774,032.96. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $774,032.96.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 6 months at xx, BWR was SE for 4.91 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxincluded X deposits of $XXXxxbank statement income that were not business deposits. Lender defect. xxexcess of XXX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE with xx, FICO XXX, and $XXXK equity in the subject property. XXXX since inception." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $XX,XXX.XX. CD dated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1321.57 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2795.01 | 6.125% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 710 | 709 | 36.545% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx. DBA: xx.<br> There is a UCC lien against the subject property in favor of xx, which was recorded on xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amounts of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,100.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,795.01 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $452,081.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $452,081.00.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 14.91 years on the job as a lead firefighter at the xx, BWR1 receives social security income.<br> BWR2 has 1.91 years on the job as a waitress at xx. Previously, BWR2 had 5 months on the job as a team member at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the guarantee coverage is at XX%, which does not meet the minimum requirement of XX%. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6789.56 | 11/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2910.79 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 776 | 747 | 40.884% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx. <br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,792.48 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,910.79 and the interest rate is 6.500%. The current UPB reflected as per the payment history is $439,142.15.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $439,142.15.<br> The loan has not been modified since origination.<br> As per the seller's tape, the subject property is stated as an investor occupancy.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 15.58 years at xx<br> BWR2 has 5.58 years on the job as a office manager at xx. xx, BWR2 has been SE for 1.58 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxis NOO and approved at XX.XX%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has been SE for XX.XX years at Do All Disc Jockeys. BWRX has X.XX years on the job as a office manager at xx. xx, FICO XXX, XXXX last XX months, and $XXXK equity in the subject." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second | xx | $0.00 | $5921.85 | 10/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1989.97 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 747 | Not Applicable | 32.922% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active HOA lien against the subject property in favor of xx., which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The Xst, Xnd, Xrd, and Xth installments of town taxes for XXXX have been paid in the total amount of $xx on different dates.<br> The Xst and Xnd installments of town taxes for XXXX are due in the amounts of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,403.55 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,989.97 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $423,378.25. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $423,378.25.<br> As per the collection comment dated xx/xx/2025, the reason for the default is servicing problems.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 1.83 years at xx, BWR had 4.91 years on the job as an event planner at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows misrepresentation of income and employment. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X.XX years at Event Painting DBA, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed the xxprohibited fees test. The below fees were included in the test:<br> xxoptional) paid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XX.XX."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation in charges that cannot increase the test due to an increase of fee in the final CD dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX does not reflect a points loan discount fee. The final CD dated xx/xx/XXXX reflects the points—loan discount fee at +$X,XXX.XX. This is a fee increase of +$X,XXX.XX for the X% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL is X year expired." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8548.98 | 10/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1563.54 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 750 | Not Applicable | 42.013% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,951.32 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,563.54 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $308,816.16. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $308,816.16.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE as an administrator for 1.91 years. Previously, BWR had 1.16 years on the job as an administrative assistant at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows misrepresentation of income and tax returns. The revised DTI is XX.XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE as an administrator for X.XX years. FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and $X,XXX residual income."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2961.72 | 09/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1562.21 | 8.125% | 360 |  | xx | xx |  | Commercial | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 781 | Not Applicable | 45.841% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX/XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,988.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,562.21 with an interest rate of 8.125%. The current UPB is $210,262.37. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $210,262.37.<br> As per the tape, the subject property is investor occupancy.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR is self-employed and has been running multiple businesses for 9.25 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows the property is an A-frame home and does not have a traditional roof and ceiling. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2744.88 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1709.45 | 6.624% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 725 | 716 | 40.824% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,709.45 and with the interest rate of 6.624%. The current UPB reflected as per the tape is $267,000.00. | Collections Comments:According to the tape, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is $267,000.00.<br> As per the seller's tape, the subject property is owner occupied.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 qualified using an offer letter as a client relations consultant at xx. Previously, BWR1 had 24.33 years on the job as a processing assistant at xx. <br> BWR2 qualified using an offer letter as an installer at xx. Previously, BWR2 had 17 years on the job as a warehouse manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xx) QM points and fees test due to fees charged of $xx exceed the fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX.<br>The loan failed the qualified mortgage lending policy points and fees test due to fees charged of $xx exceed the fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* xxmissing; loan has escrows (xxescrow account disclosure signed by the borrower xx."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the co-borrower is no longer employed with the employer listed on the application. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX qualified using an offer letter as a client relations consultant at xx. BWRX qualified using an offer letter as an installer at xx, FICO XXX."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TILA Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID total of payment disclosed on the final CD is $XXX,XXX.XX. The calculated total of payments is $xx for an under disclosed amount of -$XXX.XX. The disclosed total of payments of $xx is not considered accurate because it is understated by more than $XXX."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The initial CD dated xx/xx/XXXX reflects points - loan discount fee of $X,XXX.XX. The final CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4686.36 | 10/24/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3679.73 | 7.875% | 360 |  | xx | xx |  | Commercial | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 752 | Not Applicable | 35.713% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx. The subject mortgage was re-recorded on xx/xx/XXXX with instrument #xx. <br> No active judgments or liens have been found.<br> The fourth installment of town taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The first and second installments of town taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,954.07 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,679.73 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $506,445.33. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $506,445.33.<br> No details pertaining to the damage to the subject property have been observed.<br> According to the seller's tape, the occupancy type is investment.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 7.33 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxagreement is missing from the loan documents." | \* Loan does not conform to program guidelines (xx)&nbsp;&nbsp;&nbsp;&nbsp; "BWR is an xxwas signed as a member of the LLC only, not in the individual names. Loan does have a personal guarantee."<br> \* xxfiles show the new xxwas ordered, and the value came at $XXXK, which is lower than the appraised value. The subject was closed with an appraised value of $XXXxxsearch shows an estimated value of $XXXxxcurrent UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7390.28 | 10/24/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3524.04 | 7.500% | 360 |  | xx | xx |  | Commercial | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 752 | Not Applicable | 35.906% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a prior civil judgment against the borrower xx on xx/xx/XXXX in favor of xx<br> The Xth installment of city taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst and Xnd installments of city taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,798.38 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,524.04 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $502,870.85. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $502,870.85.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is non-owner occupied. <br> BWR has been SE for 7.33 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxagreement is missing from the loan documents." | \* Loan does not conform to program guidelines (xx)&nbsp;&nbsp;&nbsp;&nbsp; "BWR is an xxwas signed by a member of the LLC and not an individual. Loan does have a personal guarantee."<br> \* xxfiles show the new xxwas ordered, and the value came at $XXXK, which is lower than the appraised value. The subject was closed with an appraised value of $XXXxxsearch shows an estimated value of $XXXxxcurrent UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $642.33 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $916.80 | 5.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | No | Not Applicable | Not Applicable | 652 | Not Applicable | 56.622% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior civil judgment against the borrower xx,XXX.XX, which was recorded on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the tape as of xx/xx/2025, the next due date is xx/xx/2025. The current xxis $916.80 with an interest rate of 5.750%. The current UPB reflected as per tape is $157,102.00. | Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the next due date is xx/xx/2025. The current xxis $916.80 with an interest rate of 5.750%. The current UPB reflected as per tape is $157,102.00.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 6.91 years on the job as a youth specialist supervisor with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows the subject is not FHA insured." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. xxdated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL is X year."<br> \* Loan does not conform to program guidelines (xxshows the subject loan is not insured due to being one day late on the FHA XX-day flipping rule. Appraisal report shows the date of the prior sale or transfer is xx/xx/XXXX in the amount of $XXxxsubject's appraised value on xx/xx/XXXX was $XXXxxmajor improvements were made to the property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* Missing flood cert (xxflood certificate is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10969.24 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5228.06 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 718 | 701 | 47.633% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx dba the lender.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX-XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the tape as of xx/xx/2025, the next due date isxx/xx/2025. The current xxis $5,228.06 with an interest rate of 7.125%. The current UPB reflected as per the tape is $776,000.00. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the tape as of xx/xx/2025, the next due date isxx/xx/2025. The current xxis $5,228.06 with an interest rate of 7.125%. The current UPB reflected as per the tape is $776,000.00.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 5.16 years at xx, BWR has been SE for 5.16 years.<br> BWR2 has been SE for 5.16 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. The tape cites a credit deficiency. Further details not provided. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been SE for X.XX years at xx, BWR has been SE for X.XX years. BWRX has been SE for X.XX years at xx, FICO XXX, and $XXXK equity in the subject. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2487.29 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1517.59 | 1.990% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 670 | Not Applicable | 44.065% | First | Short Form Policy | Not Applicable | Not Applicable | 02/01/2025 | $213631.00 | Not Applicable | 1.990% | $645.81 | 03/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with XXXX.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX-XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX-XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,194.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $645.81 with an interest rate of 1.990%. The current UPB reflected as per the payment history is $210,879.23. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $210,879.23.<br> As per the collection comment dated xx/xx/2024, the reason for default is marital problems.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2025.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4 months on the job as a sprinkler fitter journeyman at the xx, BWR had multiple jobs in the last two years in the same line of work<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2025. As per the modified term, the new principal balance is $213,631.00. The monthly xxis $645.81 with an interest rate of 1.990% beginning on xx/xx/2025 and a maturity date of xx/xx/2065. There is no deferred balance and no principal forgiven amount. |  | xx | 3: Curable |  | \* xxfailed the xxpublic guidelines) xxtest due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fee was included in the test:<br> xxpaid by Borrower: $X,XXX.XX.<br>Loan failed the xxtest due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fee was included in the test:<br> xxpaid by Borrower: $X,XXX.XX." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. The tape shows the lender did not establish the stability of the qualifying income, employment history, and all other obligations. Further details not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X months on the job as a sprinkler fitter journeyman at the xxequity in the subject."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xxgomez_investorpackage PG#xx.XX%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First | xx | $0.00 | $1298.56 | 11/06/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $894.97 | 7.875% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 663 | Not Applicable | 42.260% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #XXXX.<br> There is one active prior UCC lien against the subject property in favor of xx, which was recorded on xx/xx/XXXX.<br> There are three junior active UCC liens against the subject property in favor of xx, and xx, which were recorded on different dates.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,001.99 (xx), which was applied for the due date of xx/xx/2025. The current xxis $894.97 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $103,393.08. | Collections Comments:According to the servicing comments, the current status of the loan is bankruptcy.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $103,393.08.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> xx, the borrowers filed bankruptcy under Chapter 13 with the case # xx. xxis still active.<br> BWR receives social security and VA compensation income.<br> Foreclosure Comments:Not Applicable<br> xx, the borrowers, xx and xx, filed bankruptcy under Chapter 13 with the case # xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $165,808.00. The unsecured portion is $0.00. xxwas filed by the creditor, xx, on xx/xx/2025, with the secured claim amount of $xx and the arrearage amount of $2,206.45. xxplan filed on xx/xx/2025 was not yet confirmed. The borrower xx.00 for 36 months to the trustee under the Chapter 13 plan. xxis still active. | Not Applicable |  | xx | 3: Curable |  | \* xxis missing from the loan file (xxequity loan copy of document is missing from the loan documents."<br> \* xxis missing from the loan file (xxequity loan interest and fees pre-closing disclosure is missing from the loan documents."<br> \* xx."<br> \* xxtape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XXXxx, with a sales price of $XXXK, is closest to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1893.14 | 10/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1670.93 | 6.125% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 711 | Not Applicable | 29.680% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # XXXX.<br> There is an active junior mortgage against the subject property, which was originated on xx/xx/XXXX with instrument # xx,XXX.XX with XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,670.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,670.93 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $273,922.65. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $273,922.65.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3 months on the job as a xxanalyst at xx. Previously, BWR had 4.91 years on the job as a sergeant in the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed loan origination fee test due to fee charged $X,XXX.XX fee threshold by $X,XXX.XX, over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* Loan does not conform to program guidelines (xxshows affordable housing requirements not met. Escrows were not set up for this loan. This loan program does not allow escrow waivers. The investor also advised that this cannot be cured post-closing. Further details not provided." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2143.22 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $636.66 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 652 | Not Applicable | 48.393% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # XXXX.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> The first installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water charges for XXXX is delinquent in the amount of $XX.XX, which is good through xx/xx/XXXX. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,367.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $636.66 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $92,469.92. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $92,469.92.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> BWR has 1 month on the job as an HR admin at xx. Previously, BWR had 10 months on the job as a trainer at xx, and prior to that, BWR was a full-time student at xx.66 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxallowed the loan to close without a sufficient credit history, only one open tradeline and one authorized user account. In addition, the BWR had no primary housing expense. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx. as an xx.X months, FICO XXX, $X,XXX residual income, $XXX reserves and $XX.XK equity in the subject property. XXXX last XX months." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3155.06 | 11/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1500.80 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 778 | 636 | 43.596% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #XXXX.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,066.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,500.80 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $244,036.87. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $244,036.87.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 4.33 years on the job as a waiter at xx.<br> BWR2 has 1.5 years on the job as a heavy equipment operator at xx. Previously, BWR2 had 15 years on the job as a foreman at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows the condo project's eligibility was not established. The budget figures entered in CPM do not match the project's actual XXXX budget, resulting in incorrect assessment income, exclusionary items, and reserve calculations. The project also does not meet the required XX% reserve standard. In addition, the critical-repair responses provided were insufficient to address CPM requirements. Review of the condo questionnaire does not show any ongoing critical repairs. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $13766.16 | 11/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2314.46 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 725 | Not Applicable | 41.161% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.com.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd installment of combined taxes is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,669.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,314.46 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $495,403.25. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current xxis $2,314.46 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $495,403.25.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 2.66 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows asset misrepresentation, as bank statements were altered. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X.XX years at xx, and $XXXK equity in the subject."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx.XX. This is an increase fee in the amount of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired.<br>Loan failed charges that cannot increase XX% tolerance test. xxdated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XX.XX for charges that cannot increase more than XX% test. xxincrease in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired.<br>TRID violation due to decrease in lender credit on initial xxdated xx/xx/XXXX reflects Lender credits at $X,XXX.XX. xxdated xx/xx/XXXX reflects Lender credits at $X,XXX.XX. This is a decrease of $X,XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $27779.03 | 10/27/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2244.28 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 683 | 714 | 32.757% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.com., LLC.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The Xst installment of school taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The Xnd installment of school taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,678.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,244.28 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $485,272.31. | Collections Comments:The current of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $485,272.31.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 16.58 years at xx<br> BWR2 has 20.66 years on the job as a housewife with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxfailed the xxpublic guidelines) xxtest due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xx<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX.<br>Loan failed the xxtest due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xx<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX." | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows asset misrepresentation, as the bank statements were falsified. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for XX.XX years at xx, FICO XXX, and $XXXK equity in the subject." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4303.76 | 11/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $737.94 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 757 | Not Applicable | 51.298% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #XXXX. <br> No active judgments or liens have been found. <br> The Xst installment of town taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of town taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,384.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $737.94 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $122,362.88. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $122,362.88.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security & retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the revised closing disclosure delivery date test. The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date."<br> \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX.<br>Loan fails xxpoints and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows BWR has undisclosed installment debt of $XXX. xxis XX.XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives social security and retirement income, FICO XXX, XXXX since inception, and $X,XXX residual income." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $7948.40 | 11/12/2025 | Not Applicable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1894.79 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 662 | Not Applicable | 44.137% | First | Final policy | Not Applicable | Not Applicable | 02/06/2024 | $446204.17 | Not Applicable | 2.990% | $1594.77 | 03/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # XXXX.<br> There is an active ECB lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XX.XX.<br> The first and second installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The third and fourth installments of combined taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of utilities/MUD taxes for XXXX is delinquent in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of utilities/MUD taxes for XXXX is due in the amount of $X.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,513.64 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,594.77 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $435,804.89. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $435,804.89.<br> As per the comment dated xx/xx/2024, the reason for default is marital difficulties.<br> The loan was modified on xx/xx/2024.<br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/2023, the foreclosure was initiated on the loan in 2023, and the FC was put on hold due to loss mitigation. As per the comment dated xx/xx/2024, the FC was dismissed on xx/xx/2024.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the subject property was damaged on xx/xx/2024 due to water and the borrower xx,064.43. As per the comment dated xx/xx/2025, the loss draft in the amount of $2,508.63 has been requested. The comment dated xx/xx/2025 states that the borrower xx. No comment has been found regarding completion of repair.<br> BWR1 has 5.83 years on the job as a sanitation worker with the xx<br> Foreclosure Comments:As per the comment dated xx/xx/2023, the foreclosure was initiated on the loan in 2023, and the FC was put on hold due to loss mitigation. As per the comment dated xx/xx/2024, the FC was dismissed on xx/xx/2024.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx., on xx/xx/2024. As per the modified term, the new principal balance is $446,204.17. The monthly xxis $1,594.77 with an interest rate of 2.990% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Assets do not meet guidelines (xxtape shows that funds for the down payment and closing costs were not adequately verified due to an unsourced $xx deposit was excluded from the total verified assets. The borrower's verified assets total $xx which includes $xx in gift funds. After excluding the unverified large $xx deposit, the available balance in the depository accounts is $xx insufficient to meet the $xx cash-to-close requirement, resulting in a $X,XXX shortfall. The subject loan originated on xx/xx/XXXX, and the borrower's FICO score is XXX." | \* Appraisal incomplete (xx) (xxsubject loan closed without appraisal. xxdisclosure signed by the borrower xx. xxsearch shows an estimated value of $XXXK."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the xxdated xx/xx/XXXX reflects xx,XXX.XX. Loan estimate dated xx/xx/XXXX reflects xx.XX. CD dated xx/xx/XXXX reflects xx.XX. This is a cumulative increase in fee of $xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, the borrower xx,XXX.XX, and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx, and its recommendation is "Accept" with a DTI of XX.XX%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $11573.06 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2986.73 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 789 | Not Applicable | 39.654% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #XXXX.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been exempt on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,986.73 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,986.73 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $451,777.94. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $451,777.94.<br> As per the tape, the property occupancy is stated as vacant.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 11.83 years on the job as a principal manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject is NOO, as BWR rented subject X days after closing. Further details not provided." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $647.88 | 11/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $419.30 | 6.875% | 300 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 795 | Not Applicable | 16.972% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #XXXX.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $541.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $419.30 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $59,617.89. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $59,617.89.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.75 years on the job as a network administrator at xx. Additionally, BWR had 4.75 years on the second job as a network administrator at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> Transmittal (xx) | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxshows property is NOO due to misrepresentation. Further details were not provided. Elevated for client review." | \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* Transmittal (xx) is xxfinal transmittal summary is missing from the loan documents." | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a network administrator at xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject."<br> \* Property is xxhome is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation and manufactured home rider attached to the recorded mortgage located at "Ln#xx. #xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1724.98 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $919.91 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 809 | 702 | 25.006% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to tape as of xx/xx/2025 and the next due date is xx/xx/2025. The current xxis $919.91 with an interest rate of 4.750%. The current UPB reflected as per the tape is $176,347.00. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to tape as of xx/xx/2025 and the next due date is xx/xx/2025. The current xxis $919.91 with an interest rate of 4.750%. The current UPB reflected as per the tape is $176,347.00.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.58 years on the job as a business taxes representative at the xx, BWR1 had 10 months on the job as a sales representative at the xx<br> BWR2 has 2.75 years on the job as a business taxes representative at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxfile show the subject loan closed without an appraisal, and the PIW disclosure supported by the final AUS is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $864.03 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2211.78 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 806 | 803 | 35.774% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current xxis $2,211.78 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $424,000.00. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB is $424,000.00.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 and BWR2 receive social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxtape and file show the subject loan was closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3495.39 | 10/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1967.80 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 731 | 766 | 48.964% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,228.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,967.80 with an interest rate of 5.50%. The current UPB reflected as per the payment history is $341,502.62. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $341,502.62.<br> As per the servicing comments dated xx/xx/2024, all the borrowers were active duty, completed on xx/xx/2024.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 receives social security income. <br> BWR2 has 6.41 years on the job as a meat cutter with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX receives social security income. BWRX has X.XX years on the job as a meat cutter with xx., FICO XXX, XXXX since inception, and $XXK equity in the subject."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 11/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $782.48 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 785 | 767 | 48.252% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX was exempt.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,643.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $782.48 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $147,133.91. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $147,133.91.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR2 was qualified using an offer letter as a nanny at xx. Previously, BWR2 had 1.83 years on the job as a nanny with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows BWR was qualified based on a new employment offer, and post-close verification shows BWR never started the new job. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX income was not used for qualification; BWRX was qualified using an offer letter as a nanny at xx, FICO XXX, and $XXXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $0.00 | 11/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2368.61 | 4.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 798 | 801 | 49.948% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There is a prior credit card judgment against the borrower xx," which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,623.15 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,368.61 with an interest rate of 4.375%. The current UPB reflected as per the payment history is $467,749.26. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $467,749.26.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR1 has been SE for 15.91 years at xx, BWR1 receives social security and trust income.<br> BWR2 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (xx)<br> \* Occupancy concerns - (xx) | \* xxis "xxloan failed the revised closing disclosure delivery date test. The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date of xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxapproved as xxshows occupancy issue as BWR rented subject X weeks after closing. BWR defect. Subject originated XX/X/XX and the X-year SOL is active. BWR has XX years xx. $XXXK equity in subject. XXXX since inception." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $18443.42 | 11/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5600.92 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 766 | 750 | 48.953% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX-XXXX are due in the amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX/XXXX (xx) are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX (xx) are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of county taxes for XXXX (xx) is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,408.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,600.92 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $880,425.51. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $880,425.51.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> BWR1 has 4.41 years on the job as a program manager at xx. <br> BWR2 has 7.08 years on the job as a QA lead at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows a debt miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a program manager at xx. BWRX has X.XX years on the job as a QA lead at xx. FICO XXX, XXXX since inception, and $XXXK equity in the subject. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $323.92 | 11/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2035.20 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 783 | 784 | 49.989% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There is one prior hospital lien against the borrower xx, xx, PLLC, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,479.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,035.20 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $386,670.87. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $2,035.20 with an interest rate of 4.750%. The current UPB is $386,670.87.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has been SE for 25.75 years at xx, BWR receives social security income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxdid not use the correct tax amount on a retained Investment property. Lender defect. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE with xx, FICO XXX, $X,XXX residual income, $XXK reserves and $XXXK equity in the subject property. XXXX since inception." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$X,XXX.XX. <br> The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points - loan discount fee. xxdated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects credit report fee of $XXX.XX. xxdated xx/xx/XXXX reflects credit report fee of $XXX.XX. This is a cumulative increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Loan failed charges cannot increase more than XX% in the tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and the recording fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of xxrecording fee at $X,XXX.XX. This is a cumulative increase of +$XXX.XX for charges that in total cannot increase more than XX% per test. COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $2454.42 | 10/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3354.98 | 6.125% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Unavailable | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 788 | Not Applicable | 38.867% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> There is no prior year tax information, as it is a new parcel. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,787.18 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,354.98 with an interest rate of 6.125%. The current UPB reflected as per payment history is $547,809.51. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $547,809.51.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 21.91 years on the job as a chief financial officer at xx. (xx).<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxout to seller to verify active MI status. Tape shows the subject loan is not insured." | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxapproved at XX.XX%. Tape shows prior FC lacked seasoning to be eligible for loan sale. BWR had prior FC dated X/X/XX. Lender defect. Subject originated X/XX/XX. BWR has XX years on the job as a xx. $XXK residual income. $XXK reserves. $XXK equity in subject. XXXX since inception." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1391.10 | 11/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2272.18 | 6.250% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 779 | Not Applicable | 46.268% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> Newly built property; XXXX taxes not available. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,272.18, which was applied for the due date of xx/xx/2025. The current xxis $2,272.18 with an interest rate of 6.250%. The current UPB is $261,404.14. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $261,404.14.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 9.91 years on the job as a software engineering leader at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxis NOO, and approved at XX.XX%. Tape shows lender used rental income from REO property for qualification. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a software engineering leader at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject."<br> \* xxis missing (xxagreement is missing from the loan documents. Lender approved using XXXX. Elevated for client review." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3759.90 | 11/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2050.48 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 777 | Not Applicable | 30.016% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,221.67 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,050.48 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $332,717.45. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $332,717.45.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 8.33 years on this job as a special agent at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape and file show the lender did not document proof of liquidation for stock assets of $XXXK used for satisfying the cash-to-close requirement of $XXXxxdetails not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on this job as a special agent at the xx, XXXX since inception, $XXXK equity in the subject. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7366.81 | 11/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1436.66 | 5.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 804 | Not Applicable | 49.263% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,139.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,436.66 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $257,123.25. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $257,123.25.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 39.33 years on the job as an accountant at xx, Inc.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (xx)<br> \* Occupancy concerns - (xx) | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase XX% tolerance test. xxdated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* xxservice providers list is missing from the loan documents." | \* ATR - Unable to determine borrower's xxsubject loan was approved as OO at XX.XX%. The tape shows the subject is NOO as BWR rented subject XX days after closing. Causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX.XX years on the job as an accountant at xx. FICO XXX, XXXX since inception, and $XXK equity in the subject." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $331.80 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1995.27 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 777 | Not Applicable | 48.296% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,715.19 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,995.27 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $335,598.13. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $335,598.13.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1 month on the job as a marketing manager at xx. Previously, BWR was a full-time student at the xx.5 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the BWR is missing from the loan file." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X month on the job as a marketing manager at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $14282.96 | 11/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4196.86 | 6.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 792 | Not Applicable | 38.032% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a notice of special tax lien (located at "Ln#xx. XXXX-X, which was recorded on xx/xx/XXXX.<br> There is a notice of assessment (located at "Ln#xx, which was recorded on xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX-XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,196.86 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,196.86 with an interest rate of 6.00%. The current UPB reflected as per the payment history is $692,139.99. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $692,139.99.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 5.41 years on the job as a senior program manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Assets do not meet guidelines (xxfile show the gift funds was not properly documented. The bank statement in file shows $XXK of assets excluding the gift amount of $XXXxxstatement of donor or VOD is missing from the loan file. The loan does not meet the cash-to-close requirement of $XXXK at closing."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxservice providers list is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3962.42 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $8080.84 | 5.625% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 753 | Not Applicable | 42.923% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX, in the amount of $X,XXX.XX, is due on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX (xx) has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX (xx) has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX (xx) has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX (xx) is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX (xx) has been paid in the amount of $xx on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX (xx) is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $11,148.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $8,080.84 with an interest rate of 5.625%. The current UPB reflected as per the payment history is $1,396,185.75. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $1,396,185.75.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 4.25 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows lease agreement from departing residence used at closing fell through. Excluding the rental income, the revised DTI is XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE for X.XX years at xx, FICO XXX, XXXX since inception, $XXXK equity in the subject, and $xx residual income." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxloan failed the revised closing disclosure delivery date test. The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date of xx/xx/XXXX."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Loan program disclosure missing or unexecuted (xxsubject loan is an ARM, and the ARM disclosure is missing from the loan file."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5505.96 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3175.94 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 739 | 740 | 47.835% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active UCC lien against the subject property in favor of XXXX, which was recorded on xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX are paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,816.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,175.94 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $487,259.14. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $487,259.14.<br> Unable to determine reason for default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2 months on the job as a manager with xx. Previously, BWR1 had multiple jobs in the last two years. BWR2 has been SE as a driver for 5.16 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows employment misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X months on the job as a manager with xx. BWRX has been SE as a driver for X.XX years. FICO XXX, XXXX since inception, and $XXXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2419.13 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1055.95 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | No | Unavailable | Unavailable | Unavailable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 743 | Not Applicable | 43.530% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, N.A.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,498.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,055.95 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $220,336.15.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $220,336.15.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape, the subject property is owner-occupied.<br> BWR has 1 month on the job as a driver at xx. Previously, BWR had multiple jobs in the last two years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx<br> Transmittal (xx) | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows servicing deficiency—MI cancellation. Further details not provided." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. xxdated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects appraisal re-inspection fee at $XXX.XX. xxdated xx/xx/XXXX reflects appraisal re-inspection fee of $XXX.XX. This is a cumulative increase in fee of $XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br> The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* MI, xxmissing and required (xx) is xxtransmittal summary is missing from the loan documents. The transmittal provided by the seller is not matching the closing term of the subject loan." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1022.67 | 11/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3363.95 | 5.500% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 761 | 727 | 60.041% | First | Final policy | Not Applicable | Not Applicable | 11/07/2024 | $305624.54 | Not Applicable | 5.500% | $1737.20 | 12/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,079.92 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,737.20 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $301,484.15.<br> As per the collection comment dated xx/xx/2024, the payments made in November 2024 are borrower payments. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $301,484.15.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 7 months on the job as a computer numerical controller at xx. BWR1 had multiple jobs in the last 2 years. Additionally, BWR1 receives social security and pension income. <br> BWR2 receives social security and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx, Sr., and xx, and the lender, xx, on xx/xx/2024. As per the modified term, the new principal balance is $305,624.54. The monthly xxis $1,737.20 with an interest rate of 5.500% beginning on xx/xx/2024 and a maturity date of xx/xx/2054. There is no deferred balance and principal forgiven amount. | xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxappraisal report is subject to completion of renovations, and XXXXD confirming the completion of renovation is missing from the loan documents. The final CD does not reflect the escrow holdback." | \* Loan does not conform to program guidelines (xxtape shows GNMA mod re default repurchase. Further details are not provided. The loan was modified on xx/xx/XXXX. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX." | \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to the borrower xx.XX." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $20161.87 | 11/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5496.53 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 790 | Not Applicable | 50.878% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX-XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,496.53 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,496.53 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $802,768.80. | Collections Comments:As per the servicing comment, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $802,768.80.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives pension and social security income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> Transmittal (xx) | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX% xxdid not include taxes and insurance on the rental and excluded debts required to be paid off by the xxdefect. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR receives Pension, xxincome, FICO XXX, $X,XXX residual income, $XXXK reserves and $XXX.XK equity in the subject property. XXXX since inception." | \* xxfailed the xxpublic guidelines) xxtest due to fees charged $xx exceed fees threshold of $xx over by +$XX,XXX.XX.<br> The below fees were included in the test:<br> xx<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $X,XXX.XX.<br>Loan failed the xxtest due to fees charged $xx exceed fees threshold of $xx over by +$XX,XXX.XX.<br> The below fees were included in the test:<br> xx<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $X,XXX.XX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Transmittal (xx) is xxsummary is missing from the loan documents." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect points - loan discount fee. xxdated xx/xx/XXXX reflect points - loan discount fee $XX,XXX.XX. This is an increase in fee of $xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL is X year." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | No | Not Applicable | Second |  | $0.00 | $3917.22 | 11/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2253.29 | 4.875% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 713 | 671 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | 05/08/2025 | $26488.93 | Not Applicable | 4.875% | $1725.13 | 07/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, N.A.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,277.70 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,725.13 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $18,335.36. The due dates were adjusted from xx/xx/2024 to xx/xx/2025 due to a modification made on xx/xx/2025. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $18,335.36.<br> As per the collection comment dated xx/xx/2024, the RFD is excessive obligation.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the collection comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the modification agreement, the loan was modified on xx/xx/2025.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2025. As per the modified term, the new principal balance is $26,488.93. The monthly xxis $1,725.13 with an interest rate of 4.875% beginning on xx/xx/2025 and a maturity date of xx/xx/2026. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape shows TBD details. Further details not provided." | \* xxloan failed the xxtest as the final TIL is missing from the loan documents."<br> \* xxis missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1580.33 | 10/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $797.56 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 715 | Not Applicable | 38.578% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, d/b/a xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,234.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $797.56 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $117,198.28. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $117,198.28.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the collection comment dated xx/xx/2024, the roof of the subject property has been damaged. As per the collection comment dated xx/xx/2025, the subject property has structural damage. Unable to determine the estimated cost of repairs. The tape shows the loan was included in a FEMA-declared disaster area with reported damage. The subsequent CCs do not show damages.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7 months on the job as an HVOF technician at xx. BWR had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows new origination from XXXX, never delivered. The loan was included in a FEMA-declared disaster area with reported damage."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$XXX.XX.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on xxdated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X. This is decrease of +$XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Property is xxper the appraisal report, which is located at "xx" the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "XXXXXXXXXX_xxstate that the manufactured home with serial #xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1125.76 | 10/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $918.65 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 756 | 781 | 28.029% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined and city taxes for XXXX has been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of combined and city taxes for XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,129.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $918.65 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $145,478.02. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $145,478.02.<br> As per the tape, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the subject property has been damaged due to the hurricane. The borrower xx. No comment indicating the completion of repairs has been found. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 5.66 years on the job as a water department foreman at the xx<br> BWR2 has 1.5 years on the job as a public works technician at xx. Previously, BWR2 had been SE as a commercial fisherman for 39.91 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xx, BWR X was on leave as of xx/xx/XXXX, evidence of return to work is missing from the file. Lender defect. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx.X years, BWR X is employed with xx.X years, FICO XXX, $X,XXX residual income, $XX.XK reserves and $X,XXX equity in the subject property. XXXX since inception." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1465.81 | 10/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $493.41 | 4.000% | 360 |  | xx | xx |  | VA | ARM |  | Refinance | xx | xx | Unavailable | No | xx | xx | Unavailable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 763 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a division of xx<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> The Xst and Xnd installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> The Xst installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst installment of utilities/MUD charges for XXXX has been paid in the amount of $XX.XX on xx/xx/XXXX.<br> The Xnd installment of utilities/MUD charges for XXXX is delinquent in the amount of $XX.XX, which is good through xx/xx/XXXX. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $869.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $512.69 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $60,904.70.<br> xxchange notice document located at "xx" shows the new rate of 5.25% and monthly PITI of $869.47 with the effective date of xx/xx/2025. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $60,904.70.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> Transmittal (xx) | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape shows xxredefault repurchase. According to the payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. Further details are not provided." | \* xxis "xxfails loan origination fee test due to fees charged $XXX.XX exceeds fees threshold of $XXX.XX over by +$X.XX. <br>The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X.XX"<br> \* xxfailed TILA foreclosure rescission finance charge test due to finance charge disclosed on final TIL as $XX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XX,XXX.XX.<br>Loan failed TILA finance charge test. Finance charge disclosed on final TIL as $XX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XX,XXX.XX.<br>Loan failed xxtest due to APR disclosed on final TIL as X.XXX%. xxis X.XXX% for an under disclosed APR of - X.XXX%.<br>This loan failed the TILA right of rescission test. The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Transmittal (xx) is xxis xxloan analysis is missing from the loan document." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1624.04 | 11/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1649.65 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 724 | 731 | 44.804% | First | Short Form Policy | Not Applicable | Not Applicable | 09/11/2023 | $373657.69 | Not Applicable | 3.250% | $1392.03 | 11/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,530.64 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,392.03 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $363,841.40. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $363,841.40.<br> The loan was modified on xx/xx/2023.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 8.91 years on the job as an assembler at xx. <br> BWR2 has 7.75 years on the job as a forklift operator at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx. xx, and the lender, xx, on xx/xx/2023. As per the modified term, the new principal balance is $373,657.69. The monthly xxis $1,392.03 with an interest rate of 3.250% beginning on xx/xx/2023 and a maturity date of xx/xx/2063. There is no deferred balance and principal forgiven amount. | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows income issues. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as an assembler at xx. BWRX has X.XX years on the job as a forklift operator at xx. FICO XXX, $XXK equity in the subject."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on xxdated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of +$XX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xxits recommendation is Accept with a DTI of XX%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $1038.12 | $5771.52 | 10/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2028.45 | 6.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 671 | Not Applicable | 46.559% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.xx<br> There is an active UCC lien against the subject property in favor of xx, which was recorded on xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX-XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX-XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX-XXXX (xx) has been delinquent in the amount of $X,XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,594.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,028.45 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $329,836.17. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $329,836.17.<br> As per the servicing comment dated xx/xx/2025, the reason for default is payment dispute.<br> As per tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 5.66 years on the job as a manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3018.00 | 11/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2713.95 | 8.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 812 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of city taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,370.06 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,713.95 with an interest rate of 8.250%. The current UPB reflected as per the payment history is $360,787.70. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $360,787.70.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR qualified using asset depletion income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxfile show the subject loan is HPML, and the appraisal was not delivered X days prior to closing. Loan failed the HPML test by Infinity, loan is escrowed and downgraded to LVLX."<br> \* Missing or error on the xxrate lock agreement is missing from the loan file." | \* xxtest xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx).<br>Loan failed xxthreshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | Other |  | $0.00 | $3960.25 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2740.65 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | Yes | 777 | 784 | 24.454% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx, a xx<br> There is a prior mortgage against the subject property that was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx. dba xx<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2026. According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current xxis $2,740.65 with an interest rate of 6.5000%. The current UPB reflected as per the tape is $433,600.00. | Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the tape is $433,600.00.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property occupancy is stated as investment.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 2.33 years on the job as a cardiologist at xx. <br> BWR2 has 18.58 years on the job as an accenture leadership member at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxlease agreement is missing from the loan documents." | \* Loan does not conform to program guidelines (xxfile show the subject is a condotel. The appraisal report shows the amenities like beach access, pool, and guest parking. The condo questionnaire shows X out of XX units are investor-owned, and FNMA shows XX% of units are owned by investors. Further details not provided. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $10301.75 | 11/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4992.66 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | 778 | Not Applicable | 48.620% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are X xxreal estate liens against the subject property in favor of the xx, Georgia, and xx, Georgia, which were recorded on xx/xx/XXXX in the total amount of $X,XXX.XX.<br> The annual installment of combined taxes for XXXX/XXXX/XXXX has been paid in the total amount of $X,XXX.XX on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> The annual installments of city taxes for XXXX/XXXX/XXXX are due in the total amount of $xx on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> The annual installment of utility/MUD charges for XXXX/XXXX has been paid in the total amount of $XX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,931.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,992.66 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $759,361.51. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $759,361.51.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.91 years on the job as a senior director account manager at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the insurance policy is based on agreed value rather than replacement cost value. Further details not provided."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12112.93 | 11/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3836.24 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 4 Family | xx | xx | Investor | Yes | Yes | No | 694 | Not Applicable | 26.701% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,311.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,836.24 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $541,017.39. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $541,017.39.<br> As per the tape, the subject property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR is self-employed and has been running multiple businesses for 11.91 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis a Xxxlast sale was X/XX for $XXXK. BWR acquired the property via QCD in XXXX. Subject cash out loan originated X/XX/XX in the amount of $XXXxxwas at $XXXK and appears overstated. Elevated for client review." | \* Loan does not conform to program guidelines (xxshows the note is aged. The investor has everything they need to meet agency guidelines and is waiting for an exception for the age of the note. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $993.20 | $1971.63 | 10/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1472.72 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 724 | 720 | 45.169% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx DBA xx<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX are paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX is paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is delinquent in the total amount of $XXX.XX, which was good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,814.34 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,472.72 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $225,928.80. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $225,928.80.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the reason for default.<br> BWR has 2.04 years on the job as a sales associate with xx. , and BWR2 has 1.12 years on the job as a front desk clerk with xx. BWR2 has prior employment experience as a cashier with xx.1 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxshows the loan was unsalable at the time of closing and the work needed on the home has been completed. Appraisal report shows that the old porch has been removed and the installation of the remaining exterior siding is still in process. The estimated cost to cure is not available. XXXXD/completion certificate is missing from the loan document, and the final CD does not reflect the escrow holdback. Zillow search reflects an estimated value of $XXXxxcurrent UPB is $XXXK." | \* xxloan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br>This loan failed the xxcoverage conflict validation test. The loan contains multiple disclosures, including a xx, and the data required for determining TILA coverage conflicts between the PCCD and the last disclosure given at or prior to consummation."<br> \* XX TRID xxloan failed the charges that cannot increase more than XX% in the tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and the recording fee at $XXX.XX. xxdated xx/xx/XXXX reflects the sum of xxrecording fee at $XXX.XX. This is a cumulative increase of +$XXX.XX for charges that in total cannot increase more than XX% per test. A valid COC for the increase in fee is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $20722.48 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3355.23 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 779 | 797 | 37.641% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd annual installments of county taxes for XXXX/XXXX are due in the amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,060.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,355.23 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $518,280.64. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $518,280.64.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has been SE for 14.41 years at xx, xx, BWR1 has been SE for 6.83 years at xx<br> BWR2 has 1 month on the job as a vision therapist at xx. Previously, BWR2 had 7.16 years on the job as a therapist at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxpurchased in X/XX for $X.XM in cash. BWR subject cash out refinance on xx/xx/XXXX in the amount of $XXX.XX paying off a lien to $XXXK." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows BWR was not employed prior to closing, as she went on maternity leave before funding without informing the lender. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been SE for XX.XX years at xx, xx, BWRX has been SE for X.XX years at XXXX BWRX has X month on the job as a vision therapist at xx. FICO XXX and $X.XM equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5168.97 | 11/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1829.40 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 635 | 630 | 43.286% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,829.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,829.40 with an interest rate of 6.990%. The current UPB is $273,873.68. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $273,873.68.<br> According to the servicing comments, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR1 has 3 months on the job as an auto salesman at xx. BWR1 had multiple jobs in the last 2 years.<br> BWR2 has 2 months on the job as an auto salesman at xx. BWR2 had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the borrowers were not employed at closing. BWRs have new jobs and the revised DTI is XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X months on the job as an auto salesman at xx. BWRX has X months on the job as an auto salesman at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4970.24 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2473.64 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 764 | Not Applicable | 46.266% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a prior execution of money judgment (xx) against the subject property in favor of xx, as assignee of HSBC, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,006.26 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,473.64 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $396,132.77. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $396,132.77.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has been SE for 3.66 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxdid not use the average for xx. xx.XX%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. BWR is SE with xx.X years, FICO XXX, $X,XXX residual income and $XX.XK equity in the subject property." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $xx exceed fees threshold of $xx over by +$XXX.XX. <br> The below fees were included in the test:<br> xx<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $X,XXX.XX.<br>Loan fails xxpoints and fees test due to fees charged $xx exceed fees threshold of $xx over by +$XXX.XX. <br> The below fees were included in the test:<br> xx<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $766.76 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1024.81 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 802 | Not Applicable | 18.947% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,433.62 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,024.81 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $155,868.94. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $155,868.94.<br> According to the servicing comments, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has been SE for 2.08 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxsubject loan was closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK."<br> \* Loan does not conform to program guidelines (xxtape shows the subject loan should have closed as a cash-out refinance with no interest rate buydown, as the BWR is buying out the ex-spouse, per their divorce decree. xxreflects a $XXXK payoff to the ex-spouse. Further details not provided. The subject loan closed on xx/xx/XXXX, FICO XXX, XXXX since inception." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1071.10 | 11/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2288.38 | 6.090% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 654 | 646 | 49.525% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active junior mortgage against the subject property in favor of the xx, Arizona, and the xxamount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument #xx.<br> The second installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The first installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,493.70 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,288.38 with an interest rate of 6.090%. The current UPB reflected as per the payment history is $369,864.07. <br> PH shows a large transaction of principal payments other than xxon xx/xx/2025 in the amount of $6,671.03. As per the collection comment dated xx/xx/2025, there are borrower payments.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $369,864.07.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.25 years on the job as an area director at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject is not FHA insured." | \* Loan does not conform to program guidelines (xxfile show the loan received a DU refer recommendation and does not qualify for manual underwriting. Further details not provided. Subject originated on xx/xx/XXXX." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3326.19 | 11/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2071.82 | 6.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 741 | Not Applicable | 47.178% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX at Book xx, Page xx in the amount of $xx with xx.<br> There is a junior mortgage against the subject property that originated on xx/xx/XXXX and was recorded on xx/xx/XXXX at Book xx, Page xx in the amount of $xx with the xx, a xx<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,452.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,071.82 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $316,974.81. <br> As per the collection comment dated xx/xx/2025, the payments received in the month of Nov 2025 are borrower payments. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $316,974.81.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 14 years on the job as a massage therapist with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows the subject loan is not FHA insured."<br> \* xxrequired by guidelines (xxreport is missing from the loan documents." | \* Loan does not conform to program guidelines (xxshows the subject loan does not qualify for a manual underwrite, as the front debt ratio exceeds XX.XX% and AUS risk recommendation is refer. Further details not provided."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* xxis missing from the loan file." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3648.24 | 11/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1773.57 | 7.250% | 300 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 628 | Not Applicable | 54.319% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The water/sewer charges for the year XXXX are due in the amount of $XXX.XX on xx/xx/XXXX. <br> No prior year's delinquent taxes have been found.  | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,334.23 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,773.57 with an interest rate of 7.25%. The current UPB reflected as per the payment history is $239,926.65. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $239,926.65.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 1.83 years on the job as a technician at xx. Previously, BWR had 3 years on the job as a technician at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject is not FHA insured." | \* Loan does not conform to program guidelines (xxshows the loan received a DU refer recommendation and does not qualify for manual underwriting. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* xxtest xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx).<br>Loan failed xxthreshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed xxloan test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3407.10 | 11/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3054.28 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 773 | Not Applicable | 49.332% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are X junior mortgages against the subject property. The first junior mortgage in favor of MERS as nominee for xx, in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx, and the second junior mortgage in favor of xx, a nonprofit corporation, in the amount of $xx originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx.<br> The Xst and Xnd annual installments of county taxes for XXXX/XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd annual installments of county (xx) taxes for XXXX/XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,721.36 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,054.28 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $474,427.60. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $474,427.60.<br> Unable to determine RFD.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied. <br> BWR has 2.75 years on the job as an acquisition program manager at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan is unsaleable, as does not meet TRID/RESPA guidelines for the secondary financing loan. The subordinate lien CD reflects X.XXX% when it should have been at X.XX%. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6328.86 | 11/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2777.40 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 713 | Not Applicable | 48.745% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book #xx, page #xx, in the amount of $xx with xx.<br> The subject mortgage was re-recorded on xx/xx/XXXX to correct the notary state and county on the notary section on Page xx.<br> There is an active junior mortgage against the subject property in favor of the xxamount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with book #xx, Page #xx.<br> There are X prior state tax liens against the borrower xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX, in the total amount of $X,XXX.XX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,668.67 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,777.40 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $408,853.44. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $408,853.44.<br> Unable to determine the RFD.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> BWR has 3 years on the job as a servicer with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX reflects processing fee at $XXX.XX. CD dated xx/xx/XXXX reflects processing fee at $XXX.XX.<br> Loan estimate dated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. CD dated xx/xx/XXXX reflects transfer taxes fee at $X,XXX.XX.<br> This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br> The subject is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows BWR does not qualify for the loan program as the BWR has ownership interest in a previous property. Further details not provided." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2809.94 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $770.97 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 810 | Not Applicable | 24.375% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with bk/pg #xx.<br> No active judgments or liens have been found.<br> The first installment of town taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of town taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,103.67 (xx), which was applied for the due date of xx/xx/2025. The current xxis $770.97 and the interest rate is 6.990%. The current UPB reflected as per the payment history is $114,737.18. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $114,737.18.<br> As per the comment dated xx/xx/2025, the subject property is owner occupied.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 10.5 years on the job as a firefighter with the xx, BWR has 6 months on the job as a firefighter with the xx.75 years on the job as a sergeant with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows borrower is current. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $XXX,XXX.XX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxshows the subject condo unit required and had mold remediation completed, and the investor required the entire building to be remediated. File shows the available XXXXD reflects the inspection and removal of mold was completed. Review of the condo questionnaire does not show any special assessment for mold inspection for the condo project. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2543.61 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 744 | Not Applicable | 49.776% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been exempted on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,924.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,543.61 with an interest rate of 5.880%. The current UPB reflected as per the payment history is $429,121.05. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $429,121.05.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.33 years on the job as an associate with xx. Additionally, BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows SSI income calculated as XXX% non-taxable incorrectly; with the correct factor of XX%, the revised DTI is XX.XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as an associate with xx. Additionally, BWR receives social security income, FICO XXX, XXXX since inception, $XXK equity in the subject, and $xx residual income." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3277.00 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1478.80 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 799 | Not Applicable | 33.437% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/Page xx/XXXX, in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX have been paid in the combined amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,922.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,478.80 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $226,632.14. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $226,632.14.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 2.41 years on the job as a doctor of chiropractic with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows BWR was not employed at the time of closing. Further details not provided. BWR defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a doctor of chiropractic with xx, FICO XXX, XXXX since inception, and $XXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2748.64 | 10/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1178.86 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 746 | Not Applicable | 39.228% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active junior mortgage against the subject property in favor of the xxamount of $X,XXX.XX, which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument # xx.<br> The first and second installments of combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,535.35 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,178.86 with an interest rate of 6.880%. The current UPB reflected as per the payment history is $179,082.97. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $179,082.97.<br> As per tape, the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 6.66 years on the job as an economic development administrator at the xx, BWR has been SE as a director for 6.58 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxshows ineligible condo. The condo questionnaire does not show any damage or repair work. Redfin search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1254.08 | 11/17/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $370.89 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 711 | Not Applicable | 44.919% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $605.95 (xx), which was applied for the due date of xx/xx/2025. The current xxis $370.89 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $61,844.19.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $61,844.19.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> As per tape, the subject property is owner-occupied.<br> BWR has been SE for 39.08 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the xxdue to the calculated finance charge of $xx exceeds the disclosed finance charge of $xx by -$XX.XX."<br> \* XX TRID xxfailed charges cannot increase more than XX% in the tolerance test. xxdated xx/xx/XXXX reflects the sum of xxfees and the recording fee at $XXX.XX, and the CD dated xx/xx/XXXX reflects the sum of xxrecording fee at +$XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% per test. xxincrease in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the SOL is X years." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows X undisclosed installment debts with a total monthly payment of $XXX. xxis over XXX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE for XX.XX years at xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject." |  | Moderate | Pass | Fail | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2672.12 | 10/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1182.78 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 750 | Not Applicable | 39.437% | First | Final policy | Not Applicable | xx | Not Applicable |  |  |  |  |  |  | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property that was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with the instrument #xx,XXX.XX with the xx<br> There are XX prior state tax liens found against the subject borrower in favor of the xx, which were recorded on different dates in the total amount of $XX,XXX.XX.<br> The Xst and Xnd installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,513.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,182.78 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $182,045.11. | Collections Comments:As per the servicing comment, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $182,045.11.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 14.25 years on the job as a property maintenance inspector with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the condo questionnaire fee. xxdated xx/xx/XXXX reflects the condo questionnaire fee at $XXX.XX. The loan estimate dated xx/xx/XXXX reflects a loan origination fee of $X,XXX.XX. xxdated xx/xx/XXXX reflects a loan origination fee of $X,XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL is X year."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxshows the condo project was not approved by xxincorrect coverage on the master policy. Further details not provided. Condo questionnaire does not show any special assessment or repairs going on in the subject condo project. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK." |  |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $552.52 | 11/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $730.87 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 704 | Not Applicable | 48.442% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior mortgage against the subject property that was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx,XXX.XX with the xx<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $982.08 (xx), which was applied for the due date of xx/xx/2025. The current xxis $730.87 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $100,519.78. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $100,519.78.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 1.91 years on the job as a skilled craft worker at xx. Previously BWR had 6 months on the job as an assistant store manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows undisclosed debt opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a skilled craft worker at xx. xxsince inception, and $XK equity in the subject."<br> \* Cash out purchase (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3735.83 | 11/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3939.89 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | No | No | 711 | Not Applicable | 44.630% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx dba the Lender.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,939.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,939.89 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $584,329.34. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $584,329.34.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has been SE for 10.25 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxdid not include all rental mortgages, taxes and insurance on all of the BWR properties. xxcannot be determined. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE with xx.X years, FICO XXX, $XXK reserves (xx) and $XXX.XK equity in the subject property. XXXX since inception." | \* Missing or error on the xxrate lock agreement is missing from the loan file." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $7748.74 | 11/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3069.79 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 700 | Not Applicable | 42.722% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx dba the Lender.<br> There is an active prior mortgage against the subject property originated on xx/xx/XXXX in favor of xxamount of $xx which was recorded on xx/xx/XXXX with the instrument #xx.<br> There is an active real estate tax lien against the subject property in favor of the xx, the xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst and Xnd installments of town taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the total amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,944.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,069.79 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $449,295.80. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $449,295.80.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 11.58 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxfile is missing a lease agreement for a rental property. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE with xx, FICO XXX, $X,XXX residual income, and $XXXK equity in the subject property. XXXX since inception." | \* Missing or error on the xxlock agreement is missing from the loan file." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6080.45 | 11/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2844.85 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 738 | Not Applicable | 46.461% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with bk/pg #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The first installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The water/sewer charges for XXXX are delinquent in the amount of $XX.XX on xx/xx/XXXX.  | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,414.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,844.85 and the interest rate is 6.375%. The current UPB reflected as per the payment history is $451,944.96. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $451,944.96.<br> As per the seller's tape, the property occupancy is stated as an investor.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.08 years on the job as a teacher at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxagreement is missing from the loan file." | \* Loan does not conform to program guidelines (xxshows the borrower xx and X/XX payments to the investor. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $XXX,XXX.XX." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable | Unavailable | Unavailable | Unavailable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 11/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1327.11 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | Yes | 727 | Not Applicable | 43.741% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd annual installments of county taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,560.26 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,327.11 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $187,227.73. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $187,227.73.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is non-owner occupied.<br> BWR has 13.91 years on the job as a sheriff's deputy with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan is NOO and was approved at XX.XX%. Tape states the final VOE showed BWR was not working at closing. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX.XX years on the job as a sheriff's deputy with the xx, FICO XXX, XXXX since inception, and $XXK equity in the subject." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $50.00 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2030.92 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 713 | Not Applicable | 33.562% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx dba xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,491.70 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,030.92 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $308,894.27.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $308,894.27.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR receives VA benefits and social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxfailed the xxpublic guidelines) xxtest due to fees charged $xx exceed fees threshold of $xx over by +$XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX.<br>Loan failed the xxtest due to fees charged $xx exceed fees threshold of $xx over by +$XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxtape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XXXxx, with a sales price of $XXXK, is closest to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXxxshows subject barndominium value appears supported." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $955.42 | 01/06/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2010.20 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 728 | Not Applicable | 43.266% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active prior child support lien against the borrower xx, which was recorded on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX has been partially paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX are due in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,204.72 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,010.20. The current UPB reflected as per the payment history is $303,361.95. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB as per the payment history is $303,361.95.<br> As per the comment dated xx/xx/2025, the subject property was damaged due to water on xx/xx/2025. The BWR received the loss draft in the amount of $37,934.96. Unable to confirm the status of the repairs and further details not available.<br> Unable to determine RFD.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 3 months on the job as an account executive at xx. BWR had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Assets do not meet guidelines (xxshows two large deposits were not sourced. Review of file shows a large source of funds totaling $xx is from a relative for the purchase of a spa. Bank statement in file shows $XXK of available assets, satisfying the cash-to-close requirement of $XXK at closing. Further details not provided. The file supports the source of funds for the large deposits. FICO XXX, and $XXK equity in the subject. Subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $37934.96 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5131.75 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1545.27 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 4 Family | xx | xx | Investor | Yes | Yes | No | 688 | Not Applicable | 29.349% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installments of county taxes for XXXX/XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,545.27 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,545.27 with an interest rate of 6.990%. The current UPB is $216,411.18. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $216,411.18.<br> As per the seller's tape, the subject property is non-owner occupied. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 18.75 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 11/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2307.17 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 720 | Not Applicable | 28.399% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,659.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,307.17 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $359,682.44. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $359,682.44.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has 17.5 years on the job as a vice president at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* xxclosing disclosure is missing from the loan documents."<br> \* xxsubject loan has a single-premium MI plan and full amount for xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2424.77 | 11/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2333.22 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 784 | Not Applicable | 45.098% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,783.49 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,333.22 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $378,393.48. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB, reflected as per the payment history is $378,393.48.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.75 years on the job as a warehouse team leader at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows BWR income declined after closing. Review shows ATR confirmed at time of closing. Subject originated XX/X/XX. XXXX since inception." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2157.52 | 11/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3193.45 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 736 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX-XXXX have been due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,193.45 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,193.45 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $479,606.55. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $479,606.55.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is non-owner occupied.<br> The subject was approved using DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxsubject was approved as xxshows the business purpose loan included the payoff of over $XXK in personal debt, rendering it ineligible with the investor. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $29103.57 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $10085.00 | 8.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 667 | Not Applicable | 22.897% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $13,451.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $10,085.00 with an interest rate of 8.250%. The current UPB reflected as per the payment history is $1,322,275.30.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $1,322,275.30.<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 5.58 years at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx | xx | 3: Curable |  | \* xxmissing; loan has escrows (xxescrow account disclosure is missing from the loan documents."<br> \* Loan does not conform to program guidelines (xxshows xxloan has since been brought current. According to the payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $X,XXX,XXX.XX."<br> \* Missing proof of hazard insurance (xxinsurance policy is missing from the loan documents." | \* xxfailed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $XX,XXX.XX. xxdated xx/xx/XXXX reflects points—loan discount fee at $XX,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase, originated on xx/xx/XXXX and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1234.89 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3639.37 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 791 | 760 | 40.141% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, xx<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $XXXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX (xx) are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,359.50 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,639.37 with an interest rate of 7.750%. The current UPB reflected as per the payment history is $507,280.61. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $507,280.61.<br> Tape and file show the subject property undergoing repairs and improvements. The wall radiant heating does not meet the code, and the garage door that was installed with poor workmanship has not been replaced, as it would allow moisture and pest intrusion. CCs do not show damage.<br> As per the tape data, the subject is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 6.08 years on the job as a learning experience designer with xx. <br> BWR2 has been SE for 9 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxfile show the subject property undergoing repairs and improvements. The wall radiant heating does not meet the code, and the garage door that was installed with poor workmanship has not been replaced, as it would allow moisture and pest intrusion. xxcompletion report is missing from the loan documents. xxdoes not reflect any escrow holdback amount."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the Lock extension fee [xx. CD dated xx/xx/XXXX reflects a Lock extension fee [xx,XXX.XX. The loan estimate dated xx/xx/XXXX reflects an xx.XX. xxdated xx/xx/XXXX reflects an xx.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case that originated on xx/xx/XXXX, and the SOL is active." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $7578.45 | 11/17/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $503.42 | 8.875% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 712 | Not Applicable | 44.657% | Second | Unavailable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, xx<br> There is a prior mortgage against the subject property, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx, xx<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $503.42, which was applied for the due date of xx/xx/2025. The current xxis $503.42 with an interest rate of 8.875%. The current UPB reflected as per the payment history is $49,731.75. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $49,731.75.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 24.5 years on the job as sales manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxtape shows the loan failed the state points and fees test by $XXX.XX, and a refund was sent to the borrower. Further details not provided. xxcompliance test result shows the loan passed xxhigh-cost home loan points and fees threshold test after applying the refund credit."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect rate lock fee. The final CD dated xx/xx/XXXX reflects rate lock fee at $XX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active." | \* xxloan failed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at XX.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. The subject is a second lien. The first lien is escrowed.<br>The loan failed the qualified mortgage safe harbor threshold test due to the calculated APR of X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3108.94 | 11/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1325.72 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 722 | Not Applicable | 49.109% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is one junior mortgage against the subject property, which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx.<br> The Xst and Xnd installments of county taxes for XXXX-XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,806.23 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,325.72 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $209,670.79. As per the comment dated xx/xx/2025, the payments made in the month of January 2025 are BWR payments. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $209,670.79.<br> As per the collection comment dated xx/xx/2025, the reason for default is the illness of the borrower.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.33 years on the job as a press operator with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxmiscalculated hourly income and allowed the loan to close without sufficient established credit. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx.X years, FICO XXX, $X,XXX residual income. XXXX since inception." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to fees charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$XXX.XX. The below fees were included in the test: xxpaid by borrower: $X,XXX.XX xxpaid by Borrower: $XXX.XX xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $XXX.XX<br>The loan fails the qualified mortgage lending policy points and fees test due to Fees charged $X,XXX.XX exceed the fees threshold of $X,XXX.XX by +$XXX.XX. The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* Loan does not conform to program guidelines (xx): $XX,XXX.XX. Loan amount: $XXX,XXX.XX. xx.XXX%."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the xxdated xx/xx/XXXX reflects xx.XX. The loan estimate dated xx/xx/XXXX does not reflect the xxdated xx/xx/XXXXX reflects xx.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2221.12 | 11/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2457.74 | 7.375% | 240 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 634 | 746 | 49.734% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,666.10 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,457.74 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $307,435.18. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $307,435.18.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.83 years on the job as a parts manager at xx.<br> BWR2 has 8.16 years on the job as a manager at xx. <br> BWR3 has 2 months on the job as a legal assistant with xx. Previously, BWR3 had 2.5 years on the job as a legal assistant at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> Note | xx | 4: Unacceptable | \* xxloan failed the higher-priced mortgage loan test (xx)(xx)) due to an APR calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. The tape and file show the subject loan did not escrow homeowner insurance, which is required for xx. The subject loan originated on xx/xx/XXXX, and the X-year affirmative defense period is open."<br> \* Note is missing or unexecuted (xxoriginal note, along with the lost note affidavit, is missing from the loan file." | \* xxfailed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $9879.86 | 12/12/2025 | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $8650.19 | 9.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 688 | Not Applicable | 7.644% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active utility lien against the subject property in favor of the xx, xx, which was recorded on xx/xx/XXXX. The amount of the lien is not provided.<br> The annual county taxes for XXXX were paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $10,816.29 (xx), which was applied for the due date of xx/xx/2025. The current xxis $8,650.19 with an interest rate of 9.375%. The current UPB reflected as per the payment history is $1,029,891.87. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $1,029,891.87.<br> As per the collection comment dated xx/xx/2025, the reason for default is payment dispute.<br> As per the collection comment dated xx/xx/2025, the subject property is vacant.<br> As per the collection comment dated xx/xx/2025, the forbearance plan was approved for 2 months from xx/xx/2025 to xx/xx/2025.<br> As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2025. As per the comment dated xx/xx/2025, the loan was reinstated. Further details are not provided.<br> As per the servicing comment dated xx/xx/2025, the borrower xx. The date of loss is xx/xx/2024, and the borrower xx and the loss draft check was received in the amounts of $xx $xx and $xx on xx/xx/2025. As per the seller's response, they currently have $xx in restricted escrow, which is the holding account for insurance loss funds. The cornerstone is monitoring the repairs, and the borrower xx. The typical process is that Cornerstone will demand period inspections to ensure repairs are being done, and the borrower xx.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 15.33 years at xx<br> Foreclosure Comments:As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2025. As per the comment dated xx/xx/2025, the loan was reinstated. Further details are not provided.<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows xxpayment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $X,XXX,XXX.XX." | \* xxfailed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID rate lock disclosure delivery date test.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points - loan discount fee. CD dated xx/xx/XXXX reflects points - loan discount fee at $XXX.XX.<br> Loan estimate dated xx/xx/XXXX reflects credit report fee at $XXX.XX. CD dated xx/xx/XXXX reflects credit report fee at $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $238768.06 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $222.17 | $6934.39 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1847.14 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 691 | Not Applicable | 49.616% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, INC.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX/XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The second installment of county taxes for XXXX/XXXX has been delinquent in the total amount of $XXX.XX, which was good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,527.96 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,847.14 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $300,665.56. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $300,665.56.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.66 years on the job as a manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* xxmissing; loan has escrows (xxescrow account disclosure signed by the borrower xx."<br> \* Loan does not conform to program guidelines (xxshows the original xxfindings cannot be retrieved, as the borrower's credit has expired. The initial AUS decisions are unavailable."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $809.38 | 2.999% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 701 | Not Applicable | 38.381% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,271.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $809.38 with an interest rate of 2.999%. The current UPB reflected as per the payment history is $170,287.09. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $170,287.09.<br> Unable to determine the reason for default.<br> As per tape data, the property is stated as owner-occupied.<br> The loan has been modified once since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7 months on the job as a sterile processing assistant with xx. Previously, BWR had 2.83 years on the job at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X months on the job as a sterile processing assistant with xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxloan fails the qualified mortgage lending policy points and fees test due to fees charged of $xx exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX. The below fees were included in the test: xx,XXX.XX xxpaid by Borrower: $X,XXX.XX"<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the points—loan discount fee at $X,XXX.XX. xxdated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to fees charged of $xx exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX. The fees below were included in the test: xx,XXX.XX xxpaid by Borrower: $X,XXX.XX"<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $16852.00 | 08/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3738.16 | 4.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 744 | Not Applicable | 41.013% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the total amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,406.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,406.57 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $730,933.39. | Collections Comments:According to the servicing comments, the current status of the loan is in collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $730,933.39.<br> As per tape data, the subject property occupancy is stated as an investor.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.83 years on the job as a dental director with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxlease agreement is missing from the loan file." | \* Loan does not conform to program guidelines (xxshows no defect, and the subject is a part of the lower coupon loan sale. Further details not provided. The subject originated on xx/xx/XXXX, FICO XXX." | \* Settlement date is different from note date (xxper the document, the settlement date is xx/xx/XXXX, and the note date is xx/xx/XXXX." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $25690.75 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $6650.00 | $8767.58 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 760 | 751 | 44.768% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active prior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx, a Delaware limited liability company.<br> The annual installment of combined taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $6,644.06, which was applied for the due date of xx/xx/2025. The current interest-only payment is $6,644.06 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $1,118,500.00.<br> Note has interest only period of 120 months. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $1,118,500.00.<br> Unable to determine the reason for default.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.41 years on the job as an attorney at xx, xx. BWR1 has prior employment experience as an attorney at xx between xx/xx/2022 and xx/xx/2023 for 1.33 years.<br> BWR2 has been SE for 2.08 years with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows disclosure changing loan terms was provided without X days notice. Loan was qualified with xx. xxfailed the qualified mortgage interest-only test."<br> \* xxis "xxloan failed the revised closing disclosure delivery date test (xx) due to the revised closing disclosure receipt date is less than three business days before the consummation date xx/xx/XXXX.<br>This loan failed the qualified mortgage interest only test." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second | xx | $0.00 | $7689.23 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1976.35 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 742 | Not Applicable | 50.211% | First | Final policy | Not Applicable | Not Applicable | 04/01/2025 | $325396.16 | $59489.16 | 6.625% | $1580.51 | 05/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx. dba xx<br> There is an active HOA lien against the subject property in favor of xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX. <br> The annual combined, city, school and other taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX. <br> The annual combined, city, school and other taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,759.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,580.51 with an interest rate of 6.625%. The current UPB is $264,989.56 and the deferred balance is $59,489.16. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $264,989.56.<br> As per the comment dated xx/xx/2025, the reason for default is excessive obligations.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2025.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4 months on the job as an excavator operator with xx. Previously, BWR had multiple jobs in the last two years in the same line of work.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was signed between the borrower, xx, and the lender, MERS as nominee for xx, with an effective date of xx/xx/2025, and the new modified unpaid principal balance is $xx out of which $xx is interest bearing. The modified monthly xxis $1,580.51 with an interest rate of 6.625% beginning on xx/xx/2025 and a maturity date of xx/xx/2065. There is a deferred balance in the amount of $xx and no principal forgiven balance. | Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxseller confirmed the MI coverage is rescinded on the loan." |  | \* ATR - Unable to determine borrower's xxsubject approved at XX.XX%. Tape shows MI was rescinded due to income miscalculation. Further details not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as an excavator operator with xx, FICO XXX, and $XXK equity in the subject.<br> xx/xx/XXXX: SOL expired, we will downgrade exception to LVLX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4409.32 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2291.88 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | Yes | 810 | Not Applicable | 49.855% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of xx, a political subdivision of the xx, acting by and through the xx, in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument # xx.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,117.51 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,291.88 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $328,308.21. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $328,308.21.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3 months on the job as a managing director with xx. Additionally, BWR has been SE for 1.50 years at xx, BWR had multiple jobs in the last two years in the same line of work.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows unallowable condo project. Appraisal and condo questionnaire did not reflect any repairs or safety issues. Further details not provided. Zillow search shows an estimated value at $XXXK. Current UPB is $XXXK." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of $XX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx Page #xx.XX%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10465.74 | 08/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5958.79 | 4.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 750 | Not Applicable | 24.360% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,187.64 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,958.79 with an interest rate of 4.375%. The current UPB reflected as per the tape is $1,117,691.44. | Collections Comments:According to the servicing comments, the current status of the loan is collection.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $1,117,691.44.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 6.5 years on the job as a senior xx.com, Inc.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject loan has no defect and is part of a lower coupon sale. Further details not provided. The subject loan originated on xx/xx/XXXX, and FICO XXX." | \* xxhome loan toolkit/acknowledgment/disclosure tracking is missing in the loan file." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $4946.13 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3991.53 | 4.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 796 | Not Applicable | 30.061% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,768.78 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,991.53 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $781,859.47. | Collections Comments:According to the servicing comments, the current status of the loan is in collections.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $781,859.47.<br> As per the tape, the subject property is owner-occupied.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> BWR has 2.25 years on the job as a regional vice president at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxshows the subject closed with single-premium MI paid by the lender." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1070.81 | 12/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1028.78 | 6.500% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 748 | 657 | 48.222% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, dba xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX is exempt in the amount of $X.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,400.67 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,028.78 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $105,918.06. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $105,918.06.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 16.91 years on the job as a floor technician at xx. Additionally, BWR1 receives social security income. BWR2 receives social security income. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxloan file show that the loan does not qualify for a rate and term refinance. As per LOX, the second mortgage payoff to be linked to the original home purchase.<br> This loan includes a second mortgage from XXXX, long after the original loan in XXXX. So, the second mortgage is not related to the original purchase. Further details are not provided." | \* xxproceed is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First | xx | $0.00 | $8533.35 | 12/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2094.28 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 793 | Not Applicable | 26.383% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior child support lien in favor of xxamount of $xx which is recorded on xx/xx/XXXX. xxmentioned on supportive documents is inconsistent with the borrower's SSN.<br> The annual installment of combined taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,417.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,094.28 with an interest rate of 2.750%. The current UPB, reflected as per the payment history, is $465,418.85. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB, reflected as per the payment history, is $465,418.85.<br> As per the tape, the subject property is owner-occupied.<br> According to the collection comment dated xx/xx/2025, the reason for default is a servicing problem.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 14.5 years on the job as a director of product services at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 1: Acceptable |  |  |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1742.94 | 9.125% | 240 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 641 | Not Applicable | 42.105% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are no active judgments or liens that have been found.<br> The annual county taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,064.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,742.94 with an interest rate of 9.125%. The current UPB is $190,269.77.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $190,269.77.<br> As per the seller's tape, the subject property is non-owner-occupied.<br> Unable to determine the RFD.<br> The appraisal report is as-is. The photo addendum shows the property needs repairs for the peeling ceiling. The estimated cost of repairs is $100.00. Further details not provided.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security and child support income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxappraisal report is as-is. The photo addendum shows the property needs repairs for the peeling ceiling. The estimated cost of repairs is $XXX.XX. XXXXD is missing from the loan document, and the final CD does not reflect the escrow holdback."<br> \* Loan does not conform to program guidelines (xxshows no defect, and the subject does not have coupon for delivery. Further details not provided. The subject originated on xx/xx/XXXX, FICO XXX." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $100.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4705.76 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1660.06 | 7.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 716 | Not Applicable | 40.050% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book-page #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XX.XX on xx/xx/XXXX.<br> The Xst installment of city taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual utilities/MUD charges for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county & city taxes for XXXX and XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the total amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,088.86 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,660.06 with an interest rate of 7.490%. The current UPB reflected as per the payment history is $236,755.26. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $236,755.26.<br> As per the tape data, the subject property is owner-occupied.<br> Unable to determine the reason for the default.<br> Tape and the appraisal report dated xx/xx/2025 are subject to completion/repairs due to the property having cosmetic issues. The estimated cost of repairs is not available. CCs do not show damages.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7.33 years on the job as a store manager with xx.<br> BWR has been SE for 3.16 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxappraisal show the subject has a lot of cosmetic issues. The current owners poured epoxy over some floors and fixtures. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $884.10 | $1565.72 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2258.57 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 789 | Not Applicable | 49.974% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX was paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX has been delinquent in the total amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,258.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,258.57 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $336,623.12. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $336,623.12.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.58 years on the job as a management trainee with xx. Additionally, BWR has been SE for 3.83 years at XX.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect points—loan discount fee. CD dated xx/xx/XXXX reflects xx.X. This is an increase in fee of +$XXX.X for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject approved at XX.XX%. Tape shows rental income miscalculation. Further details not provided. Lender defect. The revised DTI is XX.XX%. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a management trainee with xx. Additionally, BWR has been SE for X.XX years at XX for X.XX years, FICO XXX, XXXX since inception, $XXXK equity in the subject, and a residual income of $X,XXX. Review shows ATR confirmed." |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7416.05 | 08/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2419.29 | 2.750% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 775 | Not Applicable | 38.797% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx, in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,324.54 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2419.29 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $268,119.54. | Collections Comments:According to the servicing comments, the current status of the loan is in collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $268,119.54.<br> As per the tape, the subject property is non-owner occupied.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.33 years on the job as an architect at xx. Previously, BWR had 1.08 years on the job as a program manager at xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* xxis missing (xxlease agreement is missing from the loan file." | \* Appraisal incomplete (xx) (xxshows the subject loan has no defect and was closed without an appraisal report, and the PIW disclosure is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $4750.08 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5922.75 | 3.875% | 240 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 794 | Not Applicable | 33.064% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $XXXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,638.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,922.75 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $854,844.28. | Collections Comments:According to the servicing comments, the current status of the loan is collections.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $854,844.28.<br> As per tape data the subject property is owner occupied.<br> Unable to determine RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1 month on the job as a physician at xx. Previously, BWR had 2.75 years on the job as an orthopedic surgeon at xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxsubject loan has a single-premium MI plan and full amount for xx." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase fee in the amount of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $502.40 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4460.87 | 6.250% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 740 | 768 | 37.030% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx dba xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,758.61 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,460.87 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $714,704.70.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $714,704.70.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the seller tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 receives VA benefits income. <br> BWR2 has 18.5 years on the job as a health system specialist with the xxfinancial systems.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show the subject did not meet the VA XXX-day seasoning period. The subject loan closed on xx/xx/XXXX." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $8588.02 | 12/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1221.86 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 688 | Not Applicable | 43.059% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx. dba xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,562.50 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,221.86 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $261,493.57. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $261,493.57.<br> As per the deferred agreement located at Deferral 11.2023 - xx, the deferred amount is $3,665.58.<br> As per the tape data, the subject property is owner-occupied.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the loan has been modified.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 2.08 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage originated on xx/xx/2020 with a xx,221.86, a rate of interest of 2.875%, and a maturity date of xx/xx/2051. xxper payment history is $1,221.86, and the rate of interest is 2.875%. The current UPB, as reflected in the payment history, is $261,493.57. As per the tape data, the loan has been modified. The modification agreement is missing from the loan file. | Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxshows the MI was rescinded.<br> xx/xx/XXXX: Seller responded that MI was rescinded on this file and that is the known defect of the loan." |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows misrepresentation of income. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X.XX years at xxequity in the subject."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx.XX%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1080.80 | 10/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1644.80 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 742 | Not Applicable | 39.344% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, xx<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd and Xth installments of county taxes for XXXX are due in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,784.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,644.80 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $254,312.03. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $254,312.03.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.83 years on the job as a manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xx) deductible exceeds the agency's maximum allowable limit. As a result, the insurance coverage does not meet agency guidelines, and the loan fails eligibility requirements"<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1798.24 | 12/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $581.63 | 3.250% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 688 | Not Applicable | 44.054% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> No active judgments or lines have been found.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025 the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,054.25 (xx), which was applied for xx/xx/2025. The current xxis $581.63 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $122,897.83. | Collections Comments:According to the services, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $122,897.83.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the servicing comment dated xx/xx/2025, the reason for default is excessive obligation.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 12.5 years on the job as a senior aircraft maintenance manager at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan cannot be guaranteed by VA, as the BWR has $X base entitlement, which cannot be restored due to retention of the existing VA property, and the loan amount does not exceed the $xx threshold required to utilize bonus entitlement. Subject originated on xx/xx/XXXX."<br> \* xxsubject loan has a single-premium MI plan and full amount for xx." | \* xxis "xxfailed xxdue to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in this test:<br> Title - Final Title Report paid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower xx,XXX.XX and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx, and its recommendation is "xxwith a DTI of XX.XX%." |  | Elevated | Pass | Pass | Pass | Pass | Not Covered | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5122.49 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 757 | 755 | 44.535% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found. <br> The annual combined taxes for XXXX have been paid in the total amount of $xx on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $7,895.36 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,122.49 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $794,223.09. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $794,223.09.<br> No details pertaining to the damage to the subject property have been observed. <br> Unable to determine the RFD.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 4.33 years at xx<br> BWR2 has 4.16 years on the job as an adjunct faculty member with xx. Additionally, the BWR2 has been SE for 1.16 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows the lender used one year's tax return instead of two years. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been SE for X.XX years at Engineering Inspection Services. BWRX has X.XX years on the job as an adjunct faculty member with xx. Additionally, the BWRX has been SE for X.XX years at xxsince inception and $XXXK equity in the subject." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7917.93 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1689.17 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 815 | Not Applicable | 49.486% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are no active judgments or liens that have been found.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,165.15 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,689.17 with an interest rate of 5.500%. The current UPB is $293,148.43. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $293,148.43.<br> No details pertaining to the damage to the subject property have been observed. <br> As per the seller's tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR receives 401k distribution and social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows income miscalculation, as the lender did not document receipt of XXXk distribution income. xxis XXX.XX%. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives XXXk distribution and social security income, FICO XXX, XXXX since inception, and $XXK equity in the subject." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 07/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2939.94 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 770 | 767 | 34.655% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, a California limited liability company.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,870.08 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,939.94 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $602,517.09. | Collections Comments:According to the servicing comments, the current status of the loan is in collections.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $602,517.09.<br> Unable to determine the reason for the default.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 4.25 years on the job as a financial examiner with the xx<br> BWR2 has 3 months on the job as a registered nurse with xx. Additionally, BWR2 has 6 months on the second job as a registered nurse with xx. Previously, BWR2 had multiple jobs in the last 2 years in the same line of work.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* xxis not active (xxshows the subject loan has no defect and originated as a jumbo loan requiring no xxfile show the subject closed with single-premium MI purchased post-closing." | \* xxmissing; loan has escrows (xxescrow account disclosure signed by the borrower xx."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9002.59 | 12/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1099.47 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 717 | Not Applicable | 47.401% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is one junior mortgage against the property, which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx, in the amount of $XX,XXX.XX.<br> The annual installment of combined taxes for the year XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The annual water/sewer charges for the XXXX year have been delinquent in the amount of $XXX.XX, good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2117.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,099.47 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $235,596.04. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $235,596.04.<br> As per the comment dated xx/xx/2025, the RFD is excessive obligations.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has been SE for 2.50 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows income miscalculation. xxis XX.XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X.XX years at xx, FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and $XXX residual income."<br> \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xx,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX.<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xx,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $X,XXX.XX, and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx Page#xx.XX%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6148.04 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2882.23 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 810 | 812 | 48.670% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,669.98 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,882.23 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $451,775.75. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $451,775.75.<br> As per the tape, the subject property is owner-occupied.<br> The appraisal report is completed as is. The supplemental addendum shows deferred maintenance as worn flooring, walls, and lack of overall upkeep due to the property remaining vacant for some time. The estimated cost to cure is $25xxis missing from the loan file. The final CD does not reflect the escrow holdback amount. xxdo not show damages.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 9.25 years on the job as a lecturer with xx.<br> BWR2 has been SE as a licensed contractor for 7.58 years. Additionally, BWR2 has 23.66 years on the job as a conservation biologist at the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxloan file is as-is. Tape and a supplemental addendum show deferred maintenance as worn flooring, walls, and lack of overall upkeep due to the property remaining vacant for some time. Estimated cost to cure is $XXxxengineer's inspection report verifying the completion of repair and structural integrity is missing from the loan file. xxdoes not reflect the escrow holdback amount." | \* Loan does not conform to program guidelines (xxshows the flood certification notice was not signed at least XX days prior to the document. File shows the certificate was signed on xx/xx/XXXX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $25000.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4533.41 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1284.29 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | Yes | 780 | Not Applicable | 42.385% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received onxx/xx/2025 in the amount of $1,724.61 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,284.29 with an interest rate of 5.625%. The current UPB reflected as per the payment history is $207,545.23. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $207,545.23.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.41 years on the job as a senior operations manager with xx. Additionally, BWR has been SE for 5 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxshows the subject condo project budget lacking required reserves. Appraisal report is as is. Condo questionnaire shows a total reserves deficit of $XXK, and the association has planned a special assessment of $Xxxdetails not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase fee in the amount of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $7299.47 | 07/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5441.61 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 814 | Not Applicable | 41.491% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,229.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,441.61 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $1,091,150.05. | Collections Comments:According to the servicing comments, the current status of the loan is in collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $1,091,150.05.<br> As per the tape, the subject property occupancy is stated as a secondary home.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 26.83 years on the job as an xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject loan has no defect and is part of a lower coupon sale. Further details not provided. The subject loan originated on xx/xx/XXXX, and FICO XXX." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX.<br> Loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX.<br> This is a cumulative increase in fee of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br>Loan failed charges that in total cannot increase more than XX% tolerance test. xxdated xx/xx/XXXX reflects the sum of xxfees and Recording fee at $X,XXX.XX. xxdated xx/xx/XXXX reflects the sum of xxfee at $X,XXX.XX. This is a cumulative increase of +$XXX.XX for charges that in total cannot increase more than XX% test. xxincrease in fee is missing from the loan documents. <br> Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12432.30 | 12/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1265.20 | 2.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 761 | Not Applicable | 38.454% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.A.<br> The Xst and Xnd installments of the combined taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,603.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,265.20 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $259,693.04. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $259,693.04.<br> As per the comment dated xx/xx/2025, there is a payment dispute. Further details are not provided.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 11 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* Appraisal incomplete (xx) (xxsubject loan closed without appraisal. PIW disclosure signed by the borrower xx. Zillow search shows an estimated value of $XXXxxcurrent UPB is$XXXK."<br> \* ATR - Unable to determine borrower's xxsubject approved at XX.XX%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is expired. BWR has XX years on the job as a xx, FICO XXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $3271.73 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1954.14 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 677 | 680 | 25.640% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,493.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,954.14 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $422,734.67. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $422,734.67.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 5.41 years on the job as a xx.<br> BWR2 has 5.41 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxsubject loan was closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated value at $X.XXM. Current UPB is $XXXK." | \* ATR - Unable to determine borrower's xxsubject approved at XX.XX%. Tape shows lender used cannabis income to quality xxdetails not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as a xx. BWRX has X.XX years on the job as a xx, FICO XXX, and XXXX in the last XX months." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8979.90 | 12/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1691.44 | 2.250% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Not Applicable | xx | xx | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 817 | 829 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX are due in the total amounts of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,699.38 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,691.44 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $373,549.57.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $373,549.57.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX." | \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2340.04 | 12/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2834.53 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 783 | Not Applicable | 51.727% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,468.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,834.53 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $472,118.39. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $472,118.39.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 11.91 years on the job as a principal product owner with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Assets do not meet guidelines (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete due to xxis missing from the loan documents."<br> \* xxinitial closing disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxmiscalculated bonus income. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx.XX years, FICO XXX, $X,XXX residual income, $XXX.XK reserves and $XX.XK equity in the subject property and XxXX since inception." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1545.41 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1038.73 | 2.500% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 758 | 729 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,514.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,038.73 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $229,960.39. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $229,960.39.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxrefinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10344.76 | 08/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3082.23 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 696 | 734 | 36.957% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> No active judgments or liens have been found.<br> The annual installments of combined taxes for XXXX & XXXX have been paid in the total amount of $xx on xx/xx/XXXX & xx/xx/XXXX.<br> The Xst installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,312.23 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,082.23 with an interest rate of 3.00%. The current UPB reflected as per the payment history is $657,891.77. | Collections Comments:According to the servicing comments, the current status of the loan is collection.<br> According to tape as of xx/xx/2025, the borrower xx and the next due date is xx/xx/2025. The current UPB is $657,891.77.<br> As per tape data, subject property is stated as owner occupied.<br> Unable to determine the reason for default.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.5 years on the job as a research scientist at xx. Previously, BWR1 had 2.08 years on the job as an associate at xx. <br> BWR2 has 2.08 years on the job as a public-private partnership specialist with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows no flaw lower coupon loan sale. Further details not provided." | \* xxproceed is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6656.05 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1021.65 | 2.625% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 789 | Not Applicable | 38.647% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX-XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX-XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The water charges for XXXX are due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,682.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,021.65 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $112,403.88. | Collections Comments:According to the servicing comments, the current status of the loan is in collection. <br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $112,403.88. <br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property occupancy is stated as an investor. <br> Unable to determine the reason for the default. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has been SE for 7.41 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxlease agreement is missing from the loan documents." | \* Loan does not conform to program guidelines (xxshows no defect, and the subject is a part of the lower coupon loan sale. Further details not provided. The subject originated on xx/xx/XXXX, FICO XXX." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1860.14 | 5.750% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | Yes | 765 | Not Applicable | 49.691% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,541.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,860.14 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $304,915.48. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current xxis $1,860.14 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $304,915.48.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3 months on the job as a senior investment associate at xx. Previously, BWR had 1.66 years on the job as an associate with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxinfinity compliance report show the loan failed for the xxtest. Further details are not provided." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxfailed qualified mortgage safe harbor threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed qualified mortgage APR threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. <br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxfailed xxpublic guidelines) xxtest due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX. AUS is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1323.31 | 2.750% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 797 | Not Applicable | 24.785% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.L.C.<br> There are two junior UCC liens against the subject property in favor of xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.  | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,654.92 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,323.31 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $139,111.67.<br>| Collections Comments:According to the servicing comments, the current status of the loan is in collections.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $139,111.67.<br> As per tape, the subject property occupancy is stated as an investor.<br> Unable to determine RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 5.58 years on the job as a psychiatric-mental health nurse practitioner at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxshows the subject loan has no defect and was closed without an appraisal report, and the PIW disclosure is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1697.65 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 721 | 781 | 49.337% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are no active judgments or liens that have been found.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,149.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,697.65 with an interest rate of 5.875%. The current UPB is $282,132.60. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $282,132.60.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR1 has 5 years on the job as the head of English associated with xx.<br> BWR2 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows income miscalculation. xx.XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X years on the job as the head of English associated with xx. BWRX receives social security income, FICO XXX, XXXX since inception, $XXXK equity, and $X,XXX residual income." | \* xxis missing from the loan documents." | \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as the initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxborrower's intent to proceed is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10618.29 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1542.16 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 706 | Not Applicable | 32.419% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utilities/MUD charges for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utilities/MUD charges for XXXX is delinquent in the amount of $X,XXX.XX and is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,542.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,542.16 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $327,066.58. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $327,066.58.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data the subject property is owner-occupied.<br> BWR has 25.66 years on the job as a head of process at xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows using the lower appraised value of $XXXK, the LTV increases from XX.XX% to XX.XX%, which exceeds the max LTV of XX%. XXXX and AUS show an appraised value of $XXXxxsearch shows an estimated value of $XXXK. Current UPB $XXXK." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2489.00 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1352.05 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 754 | 714 | 34.904% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page # xx.<br> There is one junior mortgage against the subject property that was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx,XXX.XX with the xx<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,881.96 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,352.05 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $225,693.11. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $225,693.11.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 1.58 years on the job as a corporate gift-in-kind specialist with xx. Previously, BWR had 5 months on the job as a treatment coordinator with xx.<br> BWR2 has 1.5 years on the job as a sales representative with xx. Previously, BWR had 4 months on the job as a shift lead with xx. Prior to that, BWR had 1.41 years on the job as a barista with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show the late fee on the CD is X% and should be X%, as the subject loan was originated as an xx,XXX.XX. Further details not provided. Subject loan originated on xx/xx/XXXX, xxsince inception."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the tax fee. CD dated xx/xx/XXXX reflects tax fee of $XX.XX. The loan estimate dated xx/xx/XXXX does not reflect the xxdated xx/xx/XXXX reflects xxlender at $XXX.XX. The loan estimate dated xx/xx/XXXX reflects appraisal fee of $XXX.XX. xxdated xx/xx/XXXX reflects appraisal fee of $XXX.XX. The loan estimate dated xx/xx/XXXX reflects credit report fee at $XX.XX. CD dated xx/xx/XXXX reflects credit report fee at $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $12089.62 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1370.50 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 781 | 774 | 25.662% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a prior mortgage against the subject property, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with instrument #xx.<br> The Xst and Xnd installments of combined taxes for XXXX were paid in the amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> The annual water charges for XXXX are due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,475.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,370.50 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $287,774.61. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $287,774.61.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 8.16 years on the job as a teacher with xx.<br> BWR2 has 9.41 years on the job as a package car driver with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject loan has no defect, and the loan is aged out. Further details not provided. Subject originated xx/xx/XXXX, FICO XXX, and XXXX in the last XX months." | \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X.XX. This is decrease of +$X,XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1795.27 | 11/26/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $779.85 | 3.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 668 | Not Applicable | 36.468% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with Book xx, Page xx, in the amount of $xx with xx.<br> There is a state tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> There are two writs of fieri facias against the borrower, xx, in favor of xx, assignee of xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX, in the total amount of $X,XXX.XX. <br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1300.08 (xx), which was applied for the due date of xx/xx/2025. The current xxis $779.85 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $157,593.34. | Collections Comments:According to the servicing comments, the current status of the loan is in collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $157,593.34.<br> As per tape data, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, RFD is curtailment of income.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case #xx. xxwas dismissed on xx/xx/2025 and terminated on xx/xx/2025. <br> The loan has not been modified since origination.<br> BWR has been SE for 14.25 years at xx<br>Foreclosure Comments:Not Applicable<br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $220,000.00. The unsecured portion is $0.00. xxwas filed by the creditor, xx, on xx/xx/2023, with the secured claim amount of $xx and the arrearage amount of $2,042.17. xxplan filed on xx/xx/2023 was confirmed on xx/xx/2023. There is no comment indicating a cramdown. xxwas dismissed on xx/xx/2025 and terminated on xx/xx/2025. | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the borrower xx. Further details are not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for XX.XX years at xx, FICO XXX, and XXK equity in the subject."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X.XX. This is decrease of +$XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. <br>Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxfailed the xxpublic guidelines) xxtest due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> xx,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX.<br>Loan failed the xxtest due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> xx,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2256.41 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1239.64 | 7.125% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | No | xx | xx | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 742 | 724 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,753.43 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,239.64 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $179,532.22. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $179,532.22.<br> Unable to determine the RFD.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* MI, xxmissing and required (xxconfirmed the subject loan is not insurable by the VA." | \* Loan does not conform to program guidelines (xxfile show the subject did not meet the VA XXX-day seasoning period. Subject closed on xx/xx/XXXX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $17529.34 | 10/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3183.83 | 4.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 797 | Not Applicable | 34.710% | First | Short Form Policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX at Instrument # xx.<br> There is one junior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> The annual combined taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,846.03 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,183.83 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $615,043.03. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $615,043.03.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.66 years on the job as a manufacturing manager II with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan exceeded the FNMA delivery time of X months. Further details not provided. The loan originated on xx/xx/XXXX, and FICO XXX." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the rate lock fee. xxdated xx/xx/XXXX reflects rate lock fee of $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects appraisal re-inspection fee at $XXX.XX. xxdated xx/xx/XXXX reflects appraisal re-inspection fee of $XXX.XX. The loan estimate dated xx/xx/XXXX reflects credit report fee at $XX.XX. xxdated xx/xx/XXXX reflects credit report fee of $XXX.XX. The loan estimate dated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. xxdated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1322.08 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $971.60 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 731 | Not Applicable | 37.886% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book #xx, page #xx, in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,300.27 (xx), which was applied for the due date of xx/xx/2025. The current xxis $971.60 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $203,157.40. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $203,157.40.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 5.66 years on the job as a cook with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Assets do not meet guidelines (xxshows down payment and closing costs were not satisfactorily verified. Bank statements in the file show assets in the amount of $xx; gift assets verified of $X,XXX supported by a gift letter satisfy the cash-to-close requirement of $X,XXX.XX. The subject originated on xx/xx/XXXX, FICO XXX." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows income miscalculation. Further details not provided. xxis XX.XX%. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a cook with xx, FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and residual income of $X,XXX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Property is xxhome is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation and manufactured home rider attached to the recorded mortgage located at "Ln#xx. #xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2514.31 | 2.375% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 774 | 696 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual water charges for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,241.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,514.31 with an interest rate of 2.375%. The current UPB, reflected as per the payment history, is $551,508.85.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB, reflected as per the payment history, is $551,508.85.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows that the VA seasoning requirement does not meet GNMA guidelines. The prior mortgage was originated on xx/xx/XXXX, with a first payment date of xx/xx/XXXX, and the subject loan was originated on xx/xx/XXXX. The subject loan was originated within XXX days of the prior mortgage, it does not satisfy the GNMA requirement of XXX days. No further details are provided."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxsubject loan has a single-premium MI plan and full amount for xx." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, and any other interest rate-dependent charges and terms was not provided to the borrower xx on xx/xx/XXXX. The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the points—loan discount fee at $X,XXX.XX. xxdated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3436.92 | 12/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1814.63 | 2.750% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Not Applicable | xx | xx | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 730 | 727 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX-XXXX has been paid in the amount of $XXXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX-XXXX is due in the amount of $XXXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2719.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1814.63 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $387,430.68. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $387,430.68.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxrefinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4197.09 | 12/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1469.59 | 3.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 657 | 647 | 51.365% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are five child support liens against the borrower xx, which were recorded on different dates in the total amount of X.XX. xx.<br> There is one UCC lien against the subject property in favor of xx, which was recorded on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,950.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,469.59 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $315,397.33. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $315,397.33.<br> According to tape data, the subject property is owner-occupied.<br> The loan has been modified once since origination.<br> The reason for the default is unable to be determined.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 3.91 years on the job as a janitorial team member at xx.<br> BWR2 has 1.5 years on the job as a security professional at xx. Previously, BWR2 had 6.5 years on the job as a security guard at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxtape shows the subject loan is not FHA insured.<br> xx/xx/XXXX: Seller responded that this loan is not insured and that is the known defect of the loan." |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows undisclosed debt with a monthly payment of $XXX. xxis XX.XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as a janitorial team member at xx. BWRX has X.X years on the job as a security professional at xx, FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and $X,XXX residual income."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit in initial closing disclosure dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of $XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. <br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx.XX%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2565.14 | 12/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $440.06 | 3.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 708 | Not Applicable | 47.285% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx, Page #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $821.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $440.06 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $87,612.45. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $87,612.45.<br> As per the tape, the subject property occupancy is non-owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 5.08 years on the job as an HVAC technician at xx. Hottel, xx, BWR has been SE for 6.33 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxagreement is missing from the loan documents." |  | \* ATR - Unable to determine borrower's xxsubject loan was approved as NOO at XX.XX%. The tape shows the lender did not obtain the SE income documentation. The revised DTI is XX.XX%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as an HVAC technician at xx. Hottel, xx, BWR has been SE for X.XX years at xx, XXXX last XX months, $XXK equity in the subject, $X,XXX residual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1739.90 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $638.86 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 650 | Not Applicable | 30.192% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> There is an active junior mortgage against the subject property in favor of xxamount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the xx.<br> There is a UCC lien against the subject property in favor of xx, which was recorded on xx/xx/XXXX. <br> The annual county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $973.05 (xx), which was applied for the due date of xx/xx/2025. The current xxis $638.86 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $106,525.75. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $106,525.75.<br> As per the servicing comment dated xx/xx/2025, the reason for default is excessive obligation.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> BWR1 has been SE as a contractor for 1.75 years. Previously, BWR1 was SE for 3 years at xx<br> BWR2 has 3.50 years on the job as a delivery driver with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the investor did not allow HFA programs, as the subject loan closed with the xxdetails not provided. The subject originated on xx/xx/XXXX, FICO XXX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* xxloan failed the Kansas license validation test." |  | Moderate | Pass | Pass | Pass | Not Covered | Not Covered | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $6213.30 | 12/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2517.17 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 665 | 780 | 44.395% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active real estate lien against the subject property in favor of the xxamount of $X,XXX.XX, recorded on xx/xx/XXXX.<br> The Xst and Xnd installments of town taxes for XXXX have been paid in the total amount of $X,XXX.XX.<br> The annual installment of water/sewer charges for XXXX has been delinquent in the amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3306.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,517.17 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $357,815.30. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $357,815.30.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape, the subject property is owner-occupied.<br> BWR1 receives social security income. BWR 2 has 4.5 years on the job as a social worker with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxappraisal report shows property condition is CX and is subject to multiple interior and exterior repairs. The estimated cost to cure is $Xxxis missing from the loan file. The final CD does not reflect escrow holdback. Tape shows repairs were made and appraisal was not updated." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxloan fails the qualified mortgage lending policy points and fees test due to fees charged of $xx exceeding the fee threshold of $xx by +$X,XXX.XX. The below fees were included in the test: xxpaid by Borrower: $xx<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the appraisal re-inspection fee. xxdated xx/xx/XXXX reflects an appraisal re-inspection fee of $XXX.XX. The loan estimate dated xx/xx/XXXX reflects the xx,XXX.XX. CD dated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year."<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to fees charged of $xx exceeds the fees threshold of $xx by $X,XXX.XX. The below fees were included in the test: xxpaid by Borrower: $xx<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX" | \* xxtest xxloan failed the higher-priced mortgage loan test (xx)(xx)) due to an APR calculated at X.XXX%, which exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx), and (xx). The loan failed the xx.XX xxdue to the APR calculated at X.XXX%, which exceeds the disclosed APR of X.XXX% by +X.XXX%.<br> The loan failed the xxdue to the APR calculated at X.XXX%, which exceeds the disclosed APR of X.XXX% by +X.XXX%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6273.38 | 12/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2803.15 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 670 | 743 | 47.070% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page # xx.<br> There are X prior state tax liens against the borrower xx and the xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $XX,XXX.XX.<br> The first installment of county taxes for XXXX has been paid in the amount of $XX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The first installment of county taxes for XXXX has been paid in the partial amount of $X,XXX.XX on xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,676.70 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,803.15 with an interest rate of 7.500%. The current UPB is $399,086.73. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $399,086.73.<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 1.50 years on the job as a baker with xx. Previously, BWR1 had multiple jobs in the last two years. <br> BWR2 has 2.41 years on the job as a care coordinator at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the lender is not able to sell xxloans to their normal aggregator due to the aggregator working on solving issues with xx. Further details not provided. The subject loan originated on xx/xx/XXXX, FICO XXX." | \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to the borrower xx.XX." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4462.35 | 12/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2698.75 | 5.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 633 | 627 | 37.880% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx dba xx<br> There is one junior mortgage against the subject property originated on xx/xx/XXXX in favor of xxamount of $xx which was recorded on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,160.70 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,698.75 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $453,490.98. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $453,490.98.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 1.66 years on the job as an access control manager with xx. Previously, BWR1 had 7.08 years on the job as an xx. <br> BWR2 has 2.66 years on the job as a service coordinator with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxinsurance is not active (xxtape shows the subject loan is not FHA insured.<br> xx/xx/XXXX: Seller responded that this loan is not insured and that is the known defect of the loan." | \* xxviolations (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects a lender credit of $XXX.XX, and the final CD dated xx/xx/XXXX reflects a lender credit of $X.XX. This is a decrease of +$XXX.XX for the fee in the final CD, which has a X% tolerance test. The subject loan is refinance case originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows the loan was not repurchased, as the seller was unable to sell due to the FHA case number being pulled too early. Further details not provided. The subject originated on xx/xx/XXXX, FICO XXX." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $12203.28 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2496.33 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 823 | 737 | 49.934% | First | Final policy | Not Applicable | Not Applicable | 06/01/2025 | $272537.45 | Not Applicable | 6.875% | $1826.25 | 06/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,826.25, which was applied for the due date of xx/xx/2025. The current xxis $1,826.25 with an interest rate of 6.875%. The current UPB is $270,651.42. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $270,651.42.<br> As per the comment dated xx/xx/2025, the borrower xx, and the DOL is xx/xx/2025. As per the comment dated xx/xx/2025, the borrower xx on xx/xx/2025 and $508.29 on xx/xx/2025. As per the seller's response located at "xx" the updated servicing comments identify that all draws have been released, all inspections are in order, all work has been completed, and the claim has been closed.<br> As per the tape, the subject property is owner-occupied.<br> As per the collection comment dated xx/xx/2025, the loan has been recast.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives SSI and pension income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The recast agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2025. As per the recast term, the new principal balance is $272,537.45. The monthly xxis $1,826.25 with an interest rate of 6.875% beginning on xx/xx/2025 and a maturity date of xx/xx/2053. There is no deferred balance and principal forgiven amount. |  | xx | 3: Curable |  | \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects a point loan discount fee at $X,XXX.XX. xxdated xx/xx/XXXX reflects a point-loan discount fee at $X,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. COC for the increase in fee is missing from the loan documents. <br> The subject loan is a refinance case that originated on xx/xx/XXXX, and the SOL of X years is active." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxused the full lease amount for the departing residence and miscalculated taxes on rental properties. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR's both receive xx, FICO XXX, $X,XXX residual income, $XXX.XK reserves and $XXK equity in the subject property. XXXX last XX months."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $37537.23 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6317.80 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2775.41 | 2.625% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 642 | 642 | 43.191% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx, organized and existing under the laws of the xx<br> The Xst and Xnd installments of county taxes for XXXX-XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,641.24 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,775.41 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $614,787.94. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $614,787.94.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 5.58 years on the job as an aircraft mechanic work leader at xx. <br> BWR2 has 4.75 years on the job as a plumbing service manager at xx, xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX." | \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as initial LE is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* xxis missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | No | Yes | Not Applicable | First |  | $0.00 | $10761.02 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3776.88 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 669 | Not Applicable | 35.737% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX was due in the amount of $xx on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $5,063.36 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,776.88 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $617,074.55. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $617,074.55.<br> As per the servicing comment dated xx/xx/2025, the reason for default is excessive obligation.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 7.41 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan was too aged. Further details not provided. Subject loan originated on xx/xx/XXXX, and FICO XXX." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does reflect points - loan discount fee at $X,XXX.XX and lock extension Fee at $X.XX. CD dated xx/xx/XXXX reflects points - loan discount fee at $xx and lock extension fee at $X,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br>Loan failed charges than in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and recording fee at $XXX.XX. CD dated xx/xx/XXXX reflects the sum of xxrecording fee at $XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by BRW is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $586.66 | 09/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $670.79 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 713 | Not Applicable | 40.270% | First | Short Form Policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior mortgage against the subject property, which originated on xx/xx/XXXX in favor of the xx, which was recorded on xx/xx/XXXX with instrument #xx,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and on xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the amount of $XX.XX which is due on xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $842.51 (xx), which was applied for the due date of xx/xx/2025. The current xxis $670.79 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $103,619.98. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $103,619.98.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 1 year on the job as a caseworker at xx. Previously, BWR was a full-time student at the xx.75 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxappraisal report is as-is. Tape and the property contract disclosure show moisture and water dampness in the basement. XXXXxxinspection report by a qualified professional is missing from the loan documents. The estimated cost to cure is not available in the loan file. The final CD does not reflect the escrow holdback. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  | \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $XXX.XX." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $190.89 | 12/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1234.86 | 5.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 733 | 717 | 37.753% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xxoration.<br> There is an active junior mortgage against the subject property in favor of the xxamount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument #xx.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025 the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,343.39 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,234.86 with an interest rate of 5.375%. The current UPB reflected as per the payment history is $209,119.45. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $209,119.45.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 is self-employed and has been running multiple businesses for 4.58 years.<br> BWR2 is self-employed and has been running multiple businesses for 9.25 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape shows no evidence that the parcel located across the street is non-buildable. The appraisal report shows that each individual lot is not large enough for any improvements to be built. Further details are not provided." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the lender did not obtain a third-party verification of employment or CPA letter to support borrower's self-employment. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX is self-employed and has been running multiple businesses for X.XX years. BWRX is self-employed and has been running multiple businesses for X.XX years, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject."<br> \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X.XX<br> xx,XXX.XX<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $XX.XX.<br>Loan fails xxpoints and fees test due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X.XX<br> xx,XXX.XX<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $XX.XX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1574.29 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1050.30 | 2.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 706 | Not Applicable | 32.921% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd and Xth installments of county taxes for XXXX were due in the total amount of $XXX.XX on xx/xx/XXXX & xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,425.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,050.30 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $231,627.06. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $231,627.06.<br> As per tape data, the subject property is stated as owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> BWR has 5 years on the job as a territory manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxseller confirmed the MI coverage is rescinded on the loan.<br> xx/xx/XXXX: Seller responded that this loan is not insured and that is the known defect of the loan." | \* Loan does not conform to program guidelines (xxshows per xx, the maximum allowable base loan amount excluding the financed upfront mortgage insurance premium is $xx; the subject loan closed at $xx exceeding the limit by $X,XXX.XX. Further details not provided. Subject originated on xx/xx/XXXX." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the appraisal fee at $XXX.XX. xxdated xx/xx/XXXX reflects appraisal fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4804.40 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1528.62 | 2.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 664 | Not Applicable | 41.907% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a prior credit card judgment against the borrower xx xx, N.A., which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX. xx.<br> The Xst installment of county taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,258.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,528.62 with an interest rate of 2.75%. The current UPB reflected as per the payment history is $334,066.76. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $334,066.76.<br> As per the servicing comment dated xx/xx/2025, the reason for default is a servicing problem.<br> As per tape, the subject property is currently owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7.25 years on the job as an environmental supervisor with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxseller confirmed the MI coverage is rescinded on the loan.<br> xx/xx/XXXX: Seller responded that this loan is not insured and that is the known defect of the loan." | \* Loan does not conform to program guidelines (xxshows the loan is uninsurable. The case number expired on xx/xx/XXXX, and the loan closed on XX/X. Further details not provided." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxfailed xxthreshold test due to APR calculated at X.XXX% xxthreshold of X.XXX% by - X.XXX%. The subject loan is escrowed.<br>The loan fails the qualified mortgage lending policy points and fees test due to fees charged, $xx exceeding the fees threshold of $xx by +$X,XXX.XX. The below fees were included in the test: xx xxpaid by Borrower: $X,XXX.XX"<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is available; COC is not getting tested due to the loan failing the TRID delivery and timing test. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to fees charged of $xx exceeding the fees threshold of $xx by +$X,XXX.XX. The below fees were included in the test: xx xxpaid by Borrower: $X,XXX.XX"<br> \* xxinitial XXXX signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxdefined by loan findings (xxloan fails the xxbecause the fees charged, $xx exceed the fee threshold of $xx by $X,XXX.XX. The below fees were included in the test: xx xxpaid by Borrower: $X,XXX.XX" |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2304.72 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1511.29 | 2.375% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 756 | 781 | 42.290% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There is an active prior mortgage against the subject property, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,511.29 with an interest rate of 2.375%. The current UPB reflected as per the tape is $181,116.92. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $181,116.92.<br> Unable to determine the reason for the default.<br> As per the tape, the property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 3.25 years on the senior engineer at the xx<br> BWR2 has 4 years on the job as a senior web designer at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxshows the subject loan has no defect and was closed without an appraisal report, and the PIW disclosure is missing from the loan documents. Zillow search shows an estimated amount at $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2461.65 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $997.90 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | No | Not Applicable | No | 769 | 790 | 40.078% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,445.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $997.90 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $158,525.86. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $158,525.86.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2 years on the job as a safety technician at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx | xx | 3: Curable |  | \* xxmissing; loan has escrows (xxinitial escrow account disclosure signed by the borrower xx."<br> \* Loan does not conform to program guidelines (xxshows the manufactured home is at XX% LTV, which exceeds GSE eligibility limits and renders the loan ineligible for sale to the GSEs, and the AUS findings are not valid as the property type was not identified as a manufactured home. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Missing flood cert (xxflood certificate is missing from the loan documents." | \* Property is xxper the appraisal report, which is located at "xx" the subject property type is a manufactured home. The manufactured home rider attached to the recorded mortgage located at "Ln#xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 11/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $4609.38 | $5984.75 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 714 | Not Applicable | 38.958% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last interest-only payment was received on xx/xx/2025 in the amount of $4,589.44, which was applied for the due date of xx/xx/2026. The current interest-only payment is $4,589.44 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $746,143.31. This loan is in an interest-only period for 120 months. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $746,143.31. <br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 2.83 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxshows HPML loan without an escrow account. Further details are not provided. xxreport shows loan did not fail HPML test." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape reflects an increased DTI of XX.XX%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been an SE for X.XX years at xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxfailed xxtest threshold test is due to the APR calculated X.XXX%. xxthreshold of X.XXX% by +X.XXX%. The loan failed the xxdue to the APR being calculated at X.XXX%. xxthreshold of X.XXX% by +X.XXX%."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3093.67 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $517.43 | 6.250% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 722 | Not Applicable | 29.838% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $862.88 (xx), which was applied for the due date of xx/xx/2025. The current xxis $517.43 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $83,634.14.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $83,634.14.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br>BWR qualified using an offer letter as an HVAC service technician at xx. Previously, BWR had 2.91 years on the job as a senior service technician at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxis "xxloan failed the loan origination fee test due to the fees charged $X,XXX.XX exceed fees threshold of $XXX.XX over by +$XXX.XX.<br> The following fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* Loan does not conform to program guidelines (xxcertificate of eligibility show guarantee cannot be obtained on VA loan, as the BWR does not have any entitlement available. Total entitlement charged on the previous VA loan is $XXxxdetails not provided. Subject loan originated on xx/xx/XXXX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxloan is not insured per the tape." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $16706.11 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6081.97 | 6.125% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | Yes | 652 | Not Applicable | 39.862% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $7,581.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $6,081.97 with an interest rate of 6.125%. The current UPB is $619,136.18. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $619,136.18.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found. <br>BWR has been SE for 13.83 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject is a condotel. The subject unit is located at the xxproject, located in the city of xxproject has amenities such as a restaurant, spa, pools. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10768.71 | 11/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4435.71 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 797 | 797 | 35.690% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst & Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $5,410.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,435.71 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $700,003.39. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $700,003.39.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 3.08 years with xx. Additionally, BWR1 has been SE for 2.66 years at xx<br> BWR2 has 2 months on the job as a xx. Additionally, BWR2 has been SE for 3.08 years with xx.66 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows miscalculation of income. The revised DTI is XX.XX%. Further details not provided. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been SE for X.XX years at xx, BWRX has been SE for X.XX years at XXXX. BWRX has X months on the job as a xx. Additionally, BWRX has been SE for X.XX years with xx.XX years at xx, XXXX since inception, $XXK equity in the subject, and $X,XXX residual income. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4957.50 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3124.05 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 808 | Not Applicable | 49.541% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found. <br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,637.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,124.05 with an interest rate of 5.750%. The current UPB is $526,545.14. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $526,545.14.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.25 years on the job as a development manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxmiscalculated bonus income. xx.XX%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx.X years, FICO XXX, $XXXX residual income, $XX.XK reserves and $XXX.XK equity in the subject property. XxXX since inception." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $14442.27 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2129.24 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 777 | Not Applicable | 47.045% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of other taxes for XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,250.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,129.24 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $355,812.88. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $355,812.88.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, there is a payment dispute. Further details not provided.<br> As per the comment dated xx/xx/2025, the reason for default is excessive obligations.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has been SE for 2.50 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxallowed the loan to close with the BWR being SE and relocating from xxcannot be determined. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE with xx. which was established xx/xx/XXXX, FICO XXX, $XX.XK reserves and $XXK equity in the subject property." |  |  | \* Settlement date is different from note date (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "Final CD reflects closing date as 12/XX/2024. Notary's signature date on the mortgage/deed of trust is 12/XX/2024. Note date is 12/XX/2024." | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4763.43 | 11/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $886.94 | 2.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 647 | 663 | 56.710% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,522.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $886.94 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $187,776.55. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $187,776.55.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 5 months on the job as an equipment operator at xx. Previously, BWR1 has 3.41 years on the job with xx.<br> BWR2 has 2.16 years on the job as a part-time yard team member with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxinsurance is not active (xxseller confirmed the MI coverage is rescinded on the loan.<br> xx/xx/XXXX: Seller responded that this loan is not insured and that is the known defect of the loan." | \* xxis "xxinitial closing disclosure receipt date of xx/xx/XXXX is less than three business days before the consummation date of xx/xx/XXXX."<br> \* Loan does not conform to program guidelines (xxshows BWR is not a US citizen and falls under the DACA rule. xxwork authorization permit card is available in the loan file. Further details not provided." | \* xxloan failed the Kansas license validation test." |  | Moderate | Pass | Pass | Pass | Not Covered | Not Covered | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10075.48 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1998.53 | 2.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 799 | 800 | 33.369% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one UCC lien against the subject property in favor of xx, which was recorded on xx/xx/XXXX. xxjudgment was amended and recorded on xx/xx/XXXX. As per subordination agreement recorded on xx/xx/XXXX located at Ln#xx, this UCC lien has been subordinated to the subject mortgage.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,128.08 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,998.53 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $443,333.58. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $443,333.58.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.58 years on the job as a machine supervisor at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show the loan amount was changed from $xx to $xx after the loan was cleared to close, and correcting the documents with the accurate information extended beyond the agency delivery deadlines. Further details not provided. Subject originated on xx/xx/XXXX." | \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $XX,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$X,XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2210.40 | 11/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $769.69 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 650 | Not Applicable | 39.730% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a prior credit card judgment against xxfavor of xx, L.L.C., as assignee of xx, N.A., which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX. The borrower's name mentioned on supportive documents is inconsistent with the borrower's name mentioned on the note and mortgage.<br> There is a prior credit card judgment against the borrower xx xx, N.A., a corporation, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> There are two credit card judgments against the borrower xx, which were recorded on different dates, for the total amount of $XX,XXX.XX.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX have been delinquent in the amount of $XX.XX, which was due on xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,209.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $769.69 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $154,744.05.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $154,744.05.<br> As per the collection comment dated xx/xx/2025, the reason for default is excessive obligation.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br>BWR has 1.42 years on the job as a driver at xx. BWR has prior employment experience as a driver with xx.42 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX%. Tape shows BWR's capacity to repay the subject mortgage was not established. xxis XX.XX%. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a driver at xx, FICO XXX, XXXX in the last XX months, and $X,XXX residual income."<br> \* xxis "xxloan fails the qualified mortgage lending policy points and fees test due to fees charged, $X,XXX.XX, exceed the fees threshold of $X,XXX.XX by +$XX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* xxloan fails the xxpoints and fees test due to fees charged, $X,XXX.XX, exceed the fees threshold of $X,XXX.XX by +$XX.XX. The below fees were included in the test: xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $XXX.XX"<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $13197.60 | 08/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4921.53 | 3.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 728 | Not Applicable | 42.922% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is one junior mortgage against the subject property that originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument # xx.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX are due in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,756.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,921.53 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $1,017,101.55. | Collections Comments:According to the servicing comments, the current status of the loan is in collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $1,017,101.55.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the reason for default is excessive obligations.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape reflects an increased DTI of XX.XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR receives pension income, FICO XXX, and $XXXK equity in the subject."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. Loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br> TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of +$XX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. <br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6053.21 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1990.32 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 741 | 719 | 46.104% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated and recorded on xx/xx/XXXX with book/page # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,808.29 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,990.32 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $276,874.08. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $276,874.08.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 8 months on the job as a principal with xx. Previously, BWR had 1.91 years on the job as a principal with xx.<br> BWR2 has 5.66 years on the job as a district testing coordinator.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxtape shows unacceptable appraisal, and the value is $XXXxx, with a sales price of $XXXK, is closest to the subject property. Zillow search shows an estimated value of $XXXxxshows value of $XXXK. Current UPB is $XXXK." |  | \* xxloan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, any other interest rate-dependent charges, and terms were not provided to the borrower xx."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation in charges that cannot increase the test due to the increase of the fee in the final CD dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. The final CD dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. This is a fee increase of $XXX.XX for the X% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxborrower's intent to proceed is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $29370.31 | 12/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3860.19 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 752 | 791 | 2.484% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The annual installment of water/sewer charges for XXXX has been delinquent in the amount of $XXX.XX, good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $9,045.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,860.19 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $696,450.75. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $696,450.75.<br> As per the tape, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the reason for default is servicing problems.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 10.08 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxagent closed file over title exception. Investor would not purchase." | \* xxfailed TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower xx on xx/xx/XXXX. The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2035.35 | 2.568% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 686 | 697 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX, and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior mortgage against the subject property that was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> The Xst, Xnd and Xrd instalments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,734.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,035.35 with an interest rate of 2.568%. The current UPB reflected as per the payment history is $449,177.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $449,177.00.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show the subject did not meet the VA XXX-day seasoning period. The subject loan closed on xx/xx/XXXX." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8373.48 | 11/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5186.52 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 753 | 757 | 36.100% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd and Xth installments of county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,132.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,186.52 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $807,844.20. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $807,844.20.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 8.25 years at xx<br> BWR2 receives social security income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Lender excluded an REO mortgage that the BWR was obligated on. xx.XX%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE with xx.X years, BWR X receives SSI, FICO XXX, $X,XXX residual income, $XXXK equity in the subject property. XXXX since inception." | \* xxrider xxrider is missing from the loan documents."<br> \* Loan does not conform to program guidelines (xxfile show the subject loan closed with the xxwas not licensed to do business with the originating company, and the DOT was recorded with incorrect xxwebsite search for the LO shows that his license has been inactive since xx/xx/XXXX and the subject loan closed on xx/xx/XXXX. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1092.44 | 6.775% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 800 | 724 | 46.250% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The taxes are to follow. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,367.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,092.44 with an interest rate of 6.775%. The current UPB reflected as per the payment history is $166,975.19. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $166,975.19.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 income not used for qualification. <br> BWR2 has 3.25 years on the job as a principal RF engineer with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxfailing for state regulations PA license validation test. In the state of PA, the lender is licensed under state ID #xx.<br>The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxtape shows the investor will not accept the appraisal report reflecting a CX condition rating for the subject property. The subject loan closed with xx, and the secondary appraisal report available in the file shows the subject property condition rating as CX, reflecting no damage or repairs required. Zillow search shows an estimated value of $XXXK. Current UPB $XXXK." | \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the points - loan discount fee at $X,XXX.XX. xxdated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.X. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1389.22 | 10/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $775.95 | 6.450% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 743 | Not Applicable | 40.273% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are X prior judgments against the borrower xx and xxtotal amount of $X,XXX.XX, which were recorded on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> There is one civil judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,142.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $775.95 with an interest rate of 6.450%. The current UPB reflected as per the payment history is $120,141.13. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $120,141.13.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 1.6 years on the job as a general manager at xx. BWR had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxapproved as xxshows owner occupancy of the subject could not be determined. xxclient review." | \* Appraisal incomplete (xx) (xxappraisal report is as-is. The photo addendum of the appraisal report shows peeling paint on the exterior workshop siding. The estimated cost to cure is not available in the loan file. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback." | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. Tape shows the occupancy could not be determined. Review is treating as NOO and a BWR defect. Subject originated X/XX/XX and the X year SOL is active. BWR has X.X years as a xxs. xxequity in subject. XXXX last XX months."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as initial CD is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxis missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3877.26 | 11/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1140.11 | 8.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 741 | 768 | 47.547% | Second | Unavailable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active prior mortgage against the subject property, which originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,140.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,140.11 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $149,718.34. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $149,718.34.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 11.41 years on the job as a manager at the xx, BWR1 receives retirement income. <br> BWR2 receives retirement and social security income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxdid not include tax & insurance on other properties. xxis XX.XX %. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx.X years and receives Pension, BWR X receives xx, FICO XXX, $xx residual income, and $XXXK equity in the subject property. XXXX since inception." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7834.62 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3725.69 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 666 | 677 | 47.417% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of combined taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,725.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,725.69 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $559,540.98. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $559,540.98.<br> As per the tape, the subject property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 & BWR2 receive social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxexcluded a new HELOC payment on the primary residence and did not obtain evidence of a new loan being co-signed for their daughter. xxcannot be determined. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR receives SSI and asset depletion income, BWRX receives SSI, xxequity in the subject property." | \* xxfile show LE was not provided within X business days from the application date. Infinity did not perform regulatory compliance test as the subject is NOO."<br> \* Property type is inconsistent with the tape (xxtype is inconsistent with the tape." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $0.00 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $448.09 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 701 | Not Applicable | 44.023% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The taxes are to follow. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $448.09 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $96,667.27.<br> As per the collection comment dated xx/xx/2024, the payments have been deferred in the amount of $17,679.45. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $96,667.27 with a deferred balance of $17,679.45.<br> As per the servicing comments dated xx/xx/2024, the reason for default is illness of the borrower.<br> As per tape, the current occupancy of the subject property is owner-occupied.<br> As per the collection comments dated xx/xx/2025, the borrower xx on his property for the past 9 months.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1 year on the job as a key holder at xx. Previously, BWR was SE for 1.91 years at Landscaper.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows BWR does not have sufficient income to support the total monthly obligations. xxis XX.XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X year on the job as a key holder at xx, FICO XXX, and $XXK equity in the subject."<br> \* xxfailed the xxprohibited fees test. The below fees were included in the test:<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XX.XX."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, the borrower's income is $X,XXX.XX, and total expenses are in the amount of $XXX.XX, and the loan was underwritten by xx, and its recommendation is "Accept" with a DTI of XX.XX%." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2878.83 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1508.61 | 5.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 640 | 666 | 38.775% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,508.61 with an interest rate of 5.250%. The current UPB reflected as per the tape is $266,206.60. | Collections Comments:The current status of the loan is performing.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is $266,206.60.<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 4.91 years on the job as an assembler at xx. <br> BWR2 has 3.16 years on the job as an assembler at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject is not FHA insured." | \* xxfailed the xxpublic guidelines) xxtest due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX.<br>Loan failed the xxtest due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* Loan does not conform to program guidelines (xx) xxtest due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX." | \* xxfailed the xxsafe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% under by - X.XXX%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4556.34 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2016.24 | 5.750% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 596 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of town taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,016.24 with an interest rate of 5.750%. The current UPB reflected as per the tape is $341,435.66. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is $341,435.66.<br> As per the seller's tape, the subject property is owner occupied.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the Pennsylvania license validation test."<br> \* Loan does not conform to program guidelines (xxstreamline refinance loans, there should be a waiting period, or gap, of XXX days between the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. On this loan, the waiting period is not satisfied."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5929.33 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3409.23 | 5.749% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | No | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 774 | 775 | 46.592% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with the lender MERS as nominee for eMortgage xxamount of $XXX,XXX.XX.<br> There are X civil judgments against the borrower xx,XXX.XX recorded on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX and XXXX have been paid in the amount of $xx on xx/xx/XXXX, xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> The annual installment of county for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The water/sewer charges are due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,409.23 with an interest rate of 5.749%. The current UPB reflected as per the tape is $561,490.97. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is $561,490.97.<br> As per the seller's tape, the subject property is owner occupied.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 receives retirement income.<br> BWR2 has 15.5 years on the job as a security specialist at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents."<br> \* xxshows subject is not VA insured." | \* xxloan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* Loan does not conform to program guidelines (xxtape shows the loan as uninsurable, and it was closed under case number XX-XX-X-XXXXXXX, and the newly assigned case number is XX-XX-X-XXXXXXX. xxcodes are not in the same locations between the two case records, resulting in an insuring error. The file shows the loan was closed under case number XX-XX-X-XXXXXXX." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2357.84 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1652.88 | 5.499% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 668 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,652.88 with an interest rate of 5.499%. The current UPB reflected as per the tape is $289,531.68. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape data is $289,531.68.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2857.73 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2115.22 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 747 | 712 | 45.509% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first and second installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,115.22 with an interest rate of 6.500%. The current UPB reflected as per the tape is $325,177.66. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is $325,177.66.<br> As per the seller's tape, the subject property is owner occupied.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 7 months on the job as an apprentice at xx. Previously, BWR1 had 2.66 years on the job as a certified personal coach with xx. BWR2 has 2.91 years on the job as a site lead with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxappraisal report in the file is as-is. Tape shows the subject condo project does not meet temporary condo project eligibility requirements. The condo questionnaire shows special assessments of $X.XM planned for decks and siding repairs. The final inspection report verifying the completion of repairs is missing from the loan documents." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7473.98 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3768.23 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 788 | Not Applicable | 42.802% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first and second installments of combined taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,768.23 with an interest rate of 6.625%. The current UPB reflected as per the tape is $585,411.08. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $585,411.08.<br> Unable to determine the RFD.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 11.91 years on the job as a claims manager at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2158.95 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2060.24 | 5.990% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 709 | Not Applicable | 53.207% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received date. The current xxis $2,060.24 with an interest rate of 5.990%. The current UPB reflected as per the tape is $342,965.53. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $342,965.53.<br> Unable to determine the reason for default.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2 months on the job as an associate at xx. Additionally, BWR receives VA compensation and social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxrefinance loans, there should be a waiting period, or gap, of XXX days between the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. On this loan, the waiting period is not satisfied." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1312.08 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $638.38 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 839 | Not Applicable | 44.526% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active credit card judgment against the borrower xx xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd, Xrd, and Xth installments of county taxes for XXXX are due in the total amount of $XXX.XX on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. We are unable to determine the last payment received. The current xxis $638.38 with an interest rate of 3.875%. The current UPB reflected as per the payment history tape data is $139,852.98.<br> As per the collection comment dated xx/xx/2024, the deferred balance is $300.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is $139,852.98.<br> As per the servicing comment dated xx/xx/2023, the reason for default is curtailment of income.<br> As per the tape, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2024, the forbearance plan began on xx/xx/2024 and ended on xx/xx/2024.<br> As per the servicing comment dated xx/xx/2024, the borrower xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.81 years on the job as a caregiver with xx. Additionally, BWR receives the alimony income. Previously, BWR has prior employment experience as a certified nursing assistant with xx.08 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage originated on xx/xx/2022 with a xx.38, a rate of interest of 3.875%, and a maturity date of xx/xx/2052. xxper tape data is $638.38, and the rate of interest is 3.875%. The collection comment dated xx/xx/2024 shows that the loan was modified on xx/xx/2024 with a xx.51, an interest rate of 3.875%, and a UPB of $142,015.43. The current UPB reflected on tape is in the amount of $139,852.98. The modification agreement is missing from the loan file. |  | xx | 4: Unacceptable | \* xxis not active (xxout to seller to verify the active MI status." |  | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows the lender did not establish stability of BWR's alimony income, and funds for down payment and closing costs were not satisfactorily verified. Bank statements in the file show $XXK satisfies the cash-to-close requirement of $XXxxdefect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a caregiver with xx. Additionally, BWR receives the alimony income, FICO XXX, and $XXK equity in the subject."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $X,XXX.XX and total expenses are in the amount of $XXX.XX and the loan was underwritten by xx.XX%." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2128.50 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $834.87 | 2.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 694 | 812 | 49.021% | First | Short Form Policy | Not Applicable | Not Applicable | 08/01/2024 | $222245.16 | Not Applicable | 2.250% | $702.61 | 08/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $702.61 with an interest rate of 2.250%. The current UPB reflected as per the tape is $218,193.41. <br> The due dates were advanced from xx/xx/2023 to xx/xx/2024 due to a loan modification. | Collections Comments:As per the servicing comment, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $218,193.41.<br> As per the comment dated xx/xx/2024, the reason for default is curtailment of income.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 1.5 years at xx<br> BWR2 receives pension and social security income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2024. As per the modified term, the new principal balance is $222,245.16. The monthly xxis $702.61 with an interest rate of 2.250% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no deferred balance and principal forgiven amount. | Missing or error on the xx | xx | 3: Curable |  | \* xxfailed the xxpublic guidelines) xxtest due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX.<br>Loan failed the xxtest due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the lender did not establish stability of the qualifying income and employment history. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has been SE for X.X years at Fletcher and Janz Processing Services. BWRX receives pension and social security income. FICO XXX, $XXK equity in the subject."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4288.41 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1896.11 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 794 | Not Applicable | 48.328% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior mortgage against the subject property originated on xx/xx/XXXX in favor of xx, a public corporation, in the amount of $xx which was recorded on xx/xx/XXXX with instrument #xx.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the details of the last payment received. The current xxis $1,896.11 with an interest rate of 7.000%. The current UPB is $281,078.70. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $281,078.70.<br> Unable to determine the RFD.<br> As per tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 10.25 years on the job as a supervisor at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxfile show the condo project is ineligible. The structural assessment report does not confirm the project's structural safety and soundness, and special assessments are planned for stucco cracking and delamination, structural concrete cracks, concrete beam repair, wall cracks, railing grout pocket cracks, and damaged metal-glazing sealant. The inspection report by a licensed professional verifying the completion of work is missing. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7060.39 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $665.24 | 6.999% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 812 | Not Applicable | 44.055% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst and Xnd installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and on xx/xx/XXXX.<br> The Xst installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $665.24 with an interest rate of 6.999%. The current UPB reflected as per the tape is $97,801.34. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $97,801.34.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found. <br> BWR receives social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xx), and the condo questionnaire does not show repairs, damage, or special assessment. xxreserve study shows the need for critical repairs or damage. The estimated amount of cost to cure is not available. An engineer inspection report by a licensed professional verifying the completion of repairs and structural integrity is missing from the loan documents. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXK." |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $12532.65 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1764.49 | 2.375% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 758 | 729 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active IRS lien against xxcurrent owner) in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The annual installment of county taxes for XXXX was paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,764.49 with an interest rate of 2.375%. The current UPB reflected as per the tape is $400,775.17. | Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is $400,775.17.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamlined refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan does not meet the GNMA seasoning requirement. Further details not provided." | \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID violation is due to a decrease in lender credit on the closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects lender credit at $XX.XX; the final CD dated xx/xx/XXXX reflects lender credit at $X.XX. This is a decrease of $XX.XX for a fee that has a X% tolerance test. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $8286.26 | 10/31/2025 | Unavailable | No | Modification/Short Sale Pending | Chapter 7 | xx | Unavailable | Yes | xx | Not Applicable | $2157.44 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 744 | Not Applicable | 45.301% | First | Final policy | Not Applicable | Not Applicable | 03/01/2025 | $537209.71 | Not Applicable | 2.875% | $1884.63 | 04/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx., a California corporation.<br> There are three junior civil judgments against the borrower xx, which were recorded on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX, in the total amount of $XXX,XXX.XX.<br> The annual installments of combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installments of school taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installments of village taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,601.34 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,884.63 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $533,602.77. The due dates were adjusted from xx/xx/2023 to xx/xx/2025 due to modification. | Collections Comments:According to the servicing comments, the current status of the loan is collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $533,602.77.<br> As per the collection comments dated xx/xx/2024, the reason for default is curtailment of income.<br> As per the collection comments dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the collection comments dated xx/xx/2025, the loan was modified.<br> As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan in 2025. As per the collection comment dated xx/xx/2025, the FC case was stopped due to modification. Further details not provided.<br> xx, the borrower, xx, filed bankruptcy under Chapter 07 with the case # xx. xxwas discharged on xx/xx/2024 and terminated on xx/xx/2024.<br> BWR has 15.50 years on the job as a manager with xx. Additionally, BWR receives public assistance income.<br> Foreclosure Comments:As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan in 2025. As per the collection comment dated xx/xx/2025, the FC case was stopped due to modification. Further details not provided.<br> xx, the borrower, xx, filed bankruptcy under Chapter 07 with the case # xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $500,000.00. The unsecured portion is $7,422.00. xxwas discharged on xx/xx/2024 and terminated on xx/xx/2024. | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2025. As per the modified term, the new principal balance is $537,209.71. The monthly xxis $1,884.63 with an interest rate of 2.875% beginning on xx/xx/2025 and a maturity date of xx/xx/2065. There is no deferred balance and principal forgiven amount. | Missing or error on the xx | xx | 3: Curable |  | \* xxshows the subject loan closed with XX% LTV that does not meet xxrequirement of a full condo project review. Appraisal report is as is, and the condo questionnaire does not show any damage. Further details not provided. Zillow and other site searches do not reflect the subject property. Current UPB is $XXXK." | \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3321.20 | 12/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1048.82 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 672 | Not Applicable | 20.629% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx., a California corporation.<br> No active judgments or liens have been found.<br> The first, second, and third installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,048.82 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,048.82 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $149,325.48. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $149,325.48.<br> As per the seller's tape, the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 12 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxfile show the rate was relocked on XX/XX, and the final APR of X.XXX% exceeds the applicable threshold of X.XX%. Further details not provided. Subject originated on xx/xx/XXXX. Infinity tested CE with correct details and result is elevated."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4537.44 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2670.50 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 706 | 709 | 45.230% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a California corporation.<br> There are two junior mortgages originated in favor of MERS as nominee for xx. The first subordinate mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx,XXX.XX. The second subordinate mortgage was originated on xx/xx/XXXX with instrument #xx,XXX.XX.<br> The first installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025, in the amount of $3,315.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,670.50 with an interest rate of 7.375%. The current UPB is $386,355.79. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $386,355.79.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.58 years on the job as a program analyst with the xx<br> BWR2 has 8.58 years on the job as an underwriting support with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (xxtape shows the BWR did not meet the minimum closing funds requirement. Bank statements in the file show assets in the amount of $X,XXX, and as per the AUS cash-to-close requirement of $XXX.XX, it is satisfied. The final CD reflects BWR received funds in the amount of $X,XXX.XX due to a subordinate lien that was applied to close the loan. Subject originated on xx/xx/XXXX. FICO XXX." | \* xxis "xxloan failed the qualified mortgage safe harbor threshold test due to the calculated APR of X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%."<br> \* xxloan failed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx). The loan failed xxhigher-priced mortgage loan threshold test due to the APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7979.21 | 11/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2208.00 | 9.000% | 36 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 765 | Not Applicable | 28.620% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,976.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,208.00 with an interest rate of 9.000%. The current UPB reflected as per the payment history is $294,400.00. The loan is interest-only for 12 months. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $294,400.00.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape, the subject property occupancy is stated as second home.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 9.50 years on the job as a city administrator with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* xxballoon rider is missing from the loan file. CD and amortization schedule shows BWR will make balloon payment at maturity. Maturity date is xx/xx/XXXX."<br> \* xxis "xxloan failed the qualified mortgage safe harbor threshold test due to the APR calculated, X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. This loan failed the qualified mortgage interest-only test due to this loan is an interest-only loan. The loan failed the qualified mortgage APR threshold test due to the APR calculated at X.XXX%, which exceeds the APR threshold of X.XXX% by +X.XXX%."<br> \* Loan does not conform to program guidelines (xxshows the loan does not meet seasoning period of X years for prior foreclosure history. Credit report does not reflect any prior foreclosure history. The subject loan originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* Occupancy concerns - (xxapproved as a second home. Tape and file show BWR lives and works in xxis in xxis listed for rent. Subject is an NOO." |  |  | Elevated | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1851.46 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $838.47 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 823 | Not Applicable | 22.498% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is xx/xx/2026. According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current xxis $838.47 with an interest rate of 5.990%. The current UPB reflected as per the tape is $140,000.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> The loan was originated on xx/xx/2025, and the first payment date is xx/xx/2026. According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the tape is $140,000.00.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 24.83 years at xx, Attorney at xx. Additionally, BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows pending condo approval with agency. The appraisal report is as is, and the condo questionnaire does not show any damage or repair work. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3501.80 | 11/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $984.21 | 8.500% | 36 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 703 | Not Applicable | 32.152% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,439.07 (xx), which was applied for the due date of xx/xx/2025. The current xxis $984.21 with an interest rate of 8.50%. The current UPB reflected as per the payment history is $127,686.52. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $127,686.52.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 11 months on the job as a postdoctoral associate at the xx, BWR was a full-time student at the xx.5 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows BWR is in the process of obtaining an H-X visa and is currently working under a J-X student working visa. The file shows BWR is not a US citizen, and visa or citizenship documents are missing in the loan file. Further details not provided. Subject originated on xx/xx/XXXX. FICO XXX, XXXX since inception."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx)." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2023.85 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2059.20 | 4.990% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Not Applicable | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 737 | 724 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx, L.L.C.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,429.10 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,059.20 with an interest rate of 4.990%. The current UPB reflected as per the payment history is $375,900.21. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $375,900.21.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxtape shows that the subject VA loan is uninsurable." | \* xxis "xxfailed prohibited fees test.<br> The below fee was included in the test:<br> xxpaid by Borrower: $XXX.XX."<br> \* Loan does not conform to program guidelines (xxfile show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Property type is inconsistent with the tape (xxtype is inconsistent with the tape." |  |  | Elevated | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6652.41 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2099.29 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 769 | 781 | 30.998% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,698.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,099.29 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $319,293.53. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $319,293.53.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 3.16 years on the job as an occupational therapist at xx.<br> BWR2 has 1.33 years on the job as a strategic relationship manager at xx. Additionally, BWR2 has been SE for 3.25 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxfailed xxfinance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XX.XX. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL is active.<br>This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* Loan does not conform to program guidelines (xxshows the loan lost the appraisal waiver after closing, and no appraisal was obtained. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXxxoriginated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $218.51 | 12/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $916.33 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 739 | Not Applicable | 42.954% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,400.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $916.33 with an interest rate of 5.990%. The current UPB reflected as per the payment history is $152,607.95. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $152,607.95.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.75 years on the job as a store manager at 7-xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows AUS was run as a single-family home, and the subject property is a manufactured single-wide, causing the loan to lose xxfindings due to the incorrect property type input. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* Property is xxis affixed. As per the appraisal report, which is located at "xx" the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "Ln#xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1393.07 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2072.18 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 806 | Not Applicable | 31.743% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, xx.<br> No active judgments or liens have been found.<br> The Xst installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,643.68 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,072.18 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $328,020.78. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $328,020.78.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> BWR has 1 year on the job as a pharmacist with xx. Previously, BWR had 5.16 years on the job as a pharmacy manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* xxtape and appraisal report show that the comps selected are not similar and the value is $XXXxx, with a sales price of $XXXK, is closest to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK" | \* Appraisal incomplete (xx) (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2931.83 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4496.63 | 6.000% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 673 | 712 | 66.470% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been exempt on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025 with a first payment date of xx/xx/2025. According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $4,496.63 with an interest rate of 6.000%. The current UPB as per the tape is $750,000.00. | Collections Comments:The current status of the loan is performing.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $750,000.00.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 receives VA benefits income. <br> BWR2 has 3 years on the job as an accountant with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* xxshows the subject loan is not insured." | \* xxfails compliance delivery and timing test for xx. The document tracker is missing, and X business days were added to get the receipt date of xx/xx/XXXX, which is before the consummation date of xx/xx/XXXX. Subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* xxproceed is missing from loan documents."<br> \* Loan does not conform to program guidelines (xxtape shows the subject is uninsured by the VA as the BWR does not have any entitlement for the subject loan. The certificate of eligibility available in the file shows BWR does not have any entitlement left for the subject loan, as the total entitlement charged to the previous VA loans is $XXXxxdetails not provided."<br> \* xxinitial XXXX signed by the loan originator is missing from the loan documents."<br> \* Property type is inconsistent with the tape (xxtype is inconsistent with the tape." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | No | No | Not Applicable | First |  | $0.00 | $1546.86 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $929.58 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Refinance | xx | xx | Unavailable | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a division of xx<br> No active judgments or liens have been found. <br> The second installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The first installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,159.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $734.17 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $54,369.91. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $54,369.91.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject is an ARM loan, and the lookback period on the note is not eligible for re-pool. The note document shows the service lookback period is for XX days. Further details not provided." | \* xxis "xxloan fails the loan origination fee test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$XX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XX,XXX.XX.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XX,XXX.XX.<br>Loan failed xxtest due to APR calculated at X.XXX% and calculated APR threshold is X.XXX%. APR calculated is under disclosed by - X.XXX%."<br> \* xxmissing or unexecuted (xxis missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5090.51 | 11/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $710.49 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Purchase | xx | xx | Unavailable | Yes | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx, a xxsubject mortgage was re-recorded on xx/xx/XXXX with xx.<br> There is a junior notice of lien against the borrower xx on xx/xx/XXXX.<br> The annual combined and city taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual combined and city taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,275.92 (xx), which was applied for the due date of xx/xx/2025. The current xxis $615.10 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $49,178.13. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $49,178.13.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the comment dated xx/xx/2024, there is a payment dispute. Further details not provided.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxshows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Loan does not conform to program guidelines (xxsubject loan has a single-premium MI plan, and the full amount for xx." | \* xxis "xxfailed xxdue to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in this test:<br> xxpaid by Borrower: $X,XXX.XX<br> Additional loan discount OPC paid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X.XX<br> xxpaid by Borrower: $XX.XX."<br> \* xxfailed xxtest due to calculated finance charge $xx exceeds disclosed finance charge of $xx under disclosed by -$XX,XXX.XX.<br>Loan failed xxtest due to calculated APR X.XXX% exceeds APR threshold of X.XXX% under disclosed by - X.XXX%."<br> \* xxloan is not failing predatory lending laws. It only exceeds the GSE points and fees test. xxfee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3486.66 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1118.90 | 4.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Unavailable | Unavailable | Unavailable |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | Unavailable | Not Applicable | 38.495% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior mortgage against the subject property in favor of xx., which was originated on xx/xx/XXXX in the amount of $xx and recorded on xx/xx/XXXX with instrument #xx.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,696.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,118.90 with an interest rate of 4.375%. The current UPB reflected as per the payment history is $197,770.60. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $197,770.60.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has been SE for 12.16 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> xx<br> Missing or error on the xx<br> xx<br> xx<br> xx<br> Transmittal (xx) | xx | 4: Unacceptable | \* AUS is missing (xxreport is missing from the loan documents."<br> \* MI, xxmissing and required (xxfile show the mortgage insurance certificate is missing from the loan documents." |  | \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete, as the initial xxare missing from loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxis missing. (xx) is xxsummary is missing from the loan documents." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1714.02 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $537.30 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Refinance | xx | xx | Unavailable | Yes | xx | xx | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | No | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX was paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utility/MUD charges for XXXX has been delinquent in the total amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $960.90 (xx), which was applied for the due date of xx/xx/2025. The current xxis $516.38 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $40,979.58. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $40,979.58.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxshows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Loan does not conform to program guidelines (xxsubject loan has a single-premium MI plan, and the full amount for xx." | \* xxfailed the TILA finance charge test. Finance charge disclosed on xx,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX. Loan failed the TILA foreclosure rescission finance charge test. Finance charge disclosed on xx,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX."<br> \* Loan program disclosure missing or unexecuted (xxprogram disclosure is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxis missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | No | No | Not Applicable | First |  | $279.92 | $559.84 | 12/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $431.15 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Refinance | xx | xx | Unavailable | Yes | xx | xx | Unavailable | Not Applicable |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, a division of xx<br> There is an active junior mortgage against the subject property, in favor of MERS as nominee for xx, in the amount of $xx which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX is delinquent in the amount of $XXX.XX on xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $555.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $354.21 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $28,056.51. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $28,056.51.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxloan failed the loan origination fee test. In addition to certain itemized fees and charges designated by VA guidelines, the lender may charge the veteran a flat charge not to<br> exceed X%."<br> \* Loan does not conform to program guidelines (xxshows the subject is an ARM loan, and the lookback period on the note is not eligible for re-pool. The note document shows the service lookback period is for XX days. Further details not provided." | \* xxfailed the TILA finance charge test. Finance charge disclosed on xx,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. <br>Loan failed the TILA foreclosure rescission finance charge test. Finance charge disclosed on xx,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX."<br> \* Loan program disclosure missing or unexecuted (xxprogram disclosure is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Property is xxhome is affixed to the land. The appraisal report is missing. The seller's tape data shows that the subject property type is a single-family residence. As per the updated title report dated xx/xx/XXXX located at Ln#xx, the subject property is a manufactured home. The affidavit of affixation document available at Ln#xx."<br> \* xxmissing or unexecuted (xxis missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5586.41 | 11/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $529.48 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Purchase | xx | xx | Unavailable | Not Applicable | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a division of xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $1,294.72 (xx), which was applied for the due date of xx/xx/2025. The current xxis $437.53 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $34,373.53. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $34,373.53.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxshows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Loan does not conform to program guidelines (xxsubject loan has a single-premium MI plan, and the full amount for xx." | \* xxis "xxfailed xxdue to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in this test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X.XX<br> xxpaid by Borrower: $XX.XX."<br> \* xxfailed xxtest due to calculated finance charge $xx exceeds disclosed finance charge of $xx under disclosed by -$XX,XXX.XX.<br>Loan failed xxtest due to calculated APR X.XXX% exceeds APR threshold of X.XXX% under disclosed by - X.XXX%."<br> \* xxloan is not failing predatory lending laws. It only exceeds the GSE points and fees test. xxfee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4866.38 | 12/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $333.08 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Purchase | xx | xx | Unavailable | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> There are two junior mortgages against the subject property in favor of xxfirst junior mortgage against the subject property is in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with book/page #xx.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $894.29 (xx), which was applied for the due date of xx/xx/2025. The current xxis $320.10 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $25,403.12. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $25,403.12.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxshows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Loan does not conform to program guidelines (xxsubject loan has a single-premium MI plan, and the full amount for xx." | \* xxis "xxfailed xxdue to fees charged $XXX.XX exceed fees threshold of $XXX.XX over by +$XXX.XX.<br> The below fees were included in this test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX."<br> \* xxfailed xxtest due to calculated finance charge $xx exceeds disclosed finance charge of $xx under disclosed by -$XX,XXX.XX.<br>Loan failed xxtest due to calculated APR X.XXX% exceeds APR threshold of X.XXX% under disclosed by - X.XXX%."<br> \* xxloan is not failing predatory lending laws. It only exceeds the GSE points and fees test. xxfee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the xxlock agreement signed by the borrower xx" |  | Moderate | Not Covered | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1801.71 | 09/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $622.85 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Refinance | xx | xx | Unavailable | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $718.02 (xx), which was applied for the due date of xx/xx/2026. The current xxis $161.69 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $12,551.82. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $12,551.82.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxshows the ARM with an ineligible lookback period to re-pool. Further details not provided. The subject originated on xx/xx/XXXX."<br> \* Loan does not conform to program guidelines (xxsubject loan has a single-premium MI plan, and the full amount for xx." | \* xxfailed TILA finance charge test. Finance charge disclosed on final TIL as $xx Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final TIL as $XX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxis missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3648.28 | 11/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $765.52 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,189.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $731.87 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $57,472.06. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $57,472.06.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject is an ARM loan, and the lookback period on the note is not eligible for re-pool. The note document shows the service lookback period is for XX days. Further details not provided." | \* xxis "xxloan fails the loan origination fee test due to fees charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX. The fees below were included in the test: xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $X,XXX.XX xxpaid by borrower: $XXX.XX xxpaid by borrower: $XXX.XX Flood certification fee paid by borrower: $XX.XX"<br> \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeds the disclosed finance charge of $xx by -$XX,XXX.XX. The loan failed the xxtest due to the APR calculated at X.XXX% exceeding the disclosed APR of X.XXX% by - X.XXX%."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxright of rescission is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | No | Yes | Not Applicable | First |  | $1810.33 | $1810.33 | 12/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $486.44 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Refinance | xx | xx | Unavailable | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a hospital lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> There is a credit judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual combined taxes for XXXX are delinquent in the total amount of $X,XXX.XX, which is good through xx/xx/XXXX.<br> The annual utilities/MUD charges for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual utilities/MUD charges for XXXX have been overpaid in the amount of $XXX.XX on xx/xx/XXXX. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $712.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $407.57 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $32,344.69.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $32,344.69.<br> The loan has not been modified since origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Loan does not conform to program guidelines (xxsubject loan has a single-premium MI plan, and the full amount for xx." | \* xxis "xxloan failed loan origination fee test due to fee charged $X,XXX.XX fee threshold by $XXX.XX, over by +$XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX."<br> \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$X,XXX.XX. <br>The loan failed the TILA foreclosure rescission finance charge test due to calculated finance charge of $xx exceeds the disclosed finance charge of $xx by -$X,XXX.XX." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2445.50 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $594.68 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Refinance | xx | xx | Unavailable | Yes | xx | xx | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of city taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $571.99 (xx), which was applied for the due date of xx/xx/2025. The current xxis $571.99 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $45,393.00.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $45,393.00.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> xx, the borrower, xx. Miller, filed bankruptcy under Chapter 13 with the case #xx. xxwas dismissed on xx/xx/2010.<br> As per the tape, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> xx, the borrower, xx. Miller, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $165,000.00. The unsecured portion is $0.00. xxwas not filed by the creditor. The amended chapter 13 plan filed on xx/xx/2009 was confirmed on xx/xx/2009. The borrower xx.00 for 04 months and $409.00 for 56 months to the trustee under the Chapter 13 plan. xxwas dismissed on xx/xx/2010 and terminated on xx/xx/2010. | Not Applicable | xx<br> Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxis "xxloan failed the loan origination fee test. In addition to certain itemized fees and charges designated by VA guidelines, the lender may charge the veteran a flat charge not to<br> exceed X%."<br> \* Loan does not conform to program guidelines (xxshows the subject is an ARM loan, and the lookback period on the note is not eligible for re-pool. The note document shows the service lookback period is for XX days. Further details not provided." | \* xxfailed the TILA finance charge test. Finance charge disclosed on xx,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX. <br>Loan failed the TILA foreclosure rescission finance charge test. Finance charge disclosed on xx,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX. <br>Loan failed xxtest because APR calculated at X.XXX% exceeds APR threshold of X.XXX% under disclosed by - X.XXX%."<br> \* Loan program disclosure missing or unexecuted (xxprogram disclosure is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxis missing from the loan file." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2276.98 | 11/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $740.22 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a xx<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The other annual taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual combined taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The other annual taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,199.73 (xx), which was applied for the due date of xx/xx/2025. The current xxis $528.10 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $42,221.95. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $42,221.95.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxshows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Loan does not conform to program guidelines (xxsubject loan has a single-premium MI plan, and the full amount for xx." | \* xxis "xxloan fails loan origination fee test due to fees charged $X,XXX.XX fees threshold $X,XXX.XX over by +$XXX.XX.<br> The below fees included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX."<br> \* Loan program disclosure missing or unexecuted (xxprogram disclosure is missing from the loan document."<br> \* Missing or error on the xxlock agreement is missing from the loan file."<br> \* xxmissing or unexecuted (xxis missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | No | Yes | Not Applicable | First |  | $0.00 | $1106.96 | 11/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $536.00 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Purchase | xx | xx | Unavailable | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is one junior UCC lien against the subject property in favor of xx, which was recorded on xx/xx/XXXX. The amount of the lien is not provided.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $825.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $460.11 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $36,786.26 | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $36,786.26.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxshows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Loan does not conform to program guidelines (xxsubject loan has a single-premium MI plan, and the full amount for xx." | \* xxis "xxfailed xxdue to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in this test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $X.XX."<br> \* xxfailed xxtest due to calculated finance charge $xx exceeds disclosed finance charge of $xx under disclosed by -$XX,XXX.XX.<br>Loan failed xxtest due to calculated APR X.XXX% exceeds APR threshold of X.XXX% under disclosed by - X.XXX%."<br> \* xxloan is not failing predatory lending laws. It only exceeds the GSE points and fees test. xxfee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1386.17 | 11/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $262.92 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Refinance | xx | xx | Unavailable | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $468.48 (xx), which was applied for the due date of xx/xx/2025. The current xxis $246.80 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $19,585.57. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $19,585.57.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxshows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Loan does not conform to program guidelines (xxsubject loan has a single-premium MI plan, and the full amount for xx. The subject originated on xx/xx/XXXX." | \* xxis "xxloan fails the loan origination fee test due to fees charged of $X,XXX.XX exceeding the fees threshold of $XXX.XX by +$XXX.XX. The fees below were included in the test: xxpaid by Borrower: $XXX.XX xxpaid by Borrower: $XXX.XX xxpaid by borrower: $XXX.XX xxpaid by borrower: $XX.XX xxpaid by Borrower: $XX.XX"<br> \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeds the disclosed finance charge of $xx over by -$XXX.XX The loan failed the TILA foreclosure rescission finance charge test due to the calculated finance charge of $xx exceeds the disclosed finance charge of $xx over by -$X,XXX.XX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxright of rescission is missing from the loan documents."<br> \* TIL not hand dated (xxtruth in lending is not hand dated." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1919.13 | 12/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $394.11 | 4.750% | 360 |  | xx | xx |  | VA | ARM |  | Purchase | xx | xx | Unavailable | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of city taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of city taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $677.54(xx), which was applied for the due date of xx/xx/2025. The current xxis $379.07 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $30,082.71. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB, reflected as per the payment history is $30,082.71.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxshows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Loan does not conform to program guidelines (xxsubject loan has a single-premium MI plan, and the full amount for xx."<br> \* Number of units in the property is inconsistent with the tape (xxnumber of units in the property is inconsistent with the tape." | \* xxis "xxfailed xxdue to fees charged $X,XXX.XX exceed fees threshold of $XXX.XX over by +$XXX.XX.<br> The below fees were included in this test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $XX.XX."<br> \* xxfailed xxtest due to calculated finance charge $xx exceeds disclosed finance charge of $xx under disclosed by -$XX,XXX.XX.<br>Loan failed xxtest due to calculated APR X.XXX% exceeds APR threshold of X.XXX% under disclosed by - X.XXX%."<br> \* xxloan is not failing predatory lending laws. It only exceeds the GSE points and fees test. xxfee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Not Covered | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $4215.94 | 10/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2321.56 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 698 | Not Applicable | 47.190% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There is an active prior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd and Xth installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,709.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,321.56 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $326,797.86. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $326,797.86.<br> As per the comment dated xx/xx/2025, the reason for default is excessive obligation.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 4 years on the job as a retail technician with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan was repurchased due to xxpayment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XXX,XXX.XX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1863.47 | 11/17/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1968.66 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 759 | Not Applicable | 40.678% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx dba xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX/XXXX are due in the amount of $X,XXX.XX on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,411.98 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,968.66 and the interest rate is 8.125%. The current UPB reflected as per the payment history is $264,616.14. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $264,616.14.<br> As per the seller's tape, the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 2.33 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX.<br> Loan estimate dated xx/xx/XXXX does not reflect XXXXxxdated xx/xx/XXXX reflects XXXXxx.XX.<br> This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active.<br>TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $XXX.XX. xxdated xx/xx/XXXX does not reflect lender credit. This is decrease of -$XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows the seller did not obtain second appraisals as the subject loan does not meet the seasoning period requirements between the last transaction of the property and the subject loan. The review of the appraisal report shows the date of the prior transaction of the subject was xx/xx/XXXX with a sales price of $XXXK and the subject loan closed on xx/xx/XXXX with a sales price of $XXXxxwas substantially renovated. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* xxtest xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3041.82 | 11/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3196.64 | 8.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 687 | 766 | 38.689% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx dba xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,588.99 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,196.64 with an interest rate of 8.250%. The current UPB reflected as per the payment history is $424,647.15. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $424,647.15.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape, the subject property is owner-occupied.<br> BWR1 has been SE for 26.83 years at xx<br> BWR2 has 6 months on the job as an XXXX at xx. Previously, BWR2 had 2.16 years on the job as an XXXX at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxtape shows the appraised value of $XXXK is not supported, as the AVM report reflects the value of the subject property at $XXXxx, the appraiser did not consider the improved third-floor bonus room with appropriate adjustments to the property value, the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XXXxx, with a sales price of $XXXK, is closest to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* xxtest xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx)." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | No | Yes | Not Applicable | First |  | $0.00 | $10262.48 | 01/05/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1520.14 | 8.375% | 360 |  | xx | xx |  | Commercial | Fixed |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 4 Family | xx | xx | Investor | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a Delaware limited liability company.<br> There are two code enforcement liens against the subject property in favor of different plaintiffs, which were recorded on different dates in the total amount of $X,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX-XXXX were paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,479.58 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,520.14 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $197,341.90.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $197,341.90.<br> As per tape data, the subject property is non-owner occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the servicing comment dated xx/xx/2024, the loss draft check was received in the amount of $xx on xx/xx/2024. Details regarding the repairs are not available.<br> The loan has not been modified since origination.<br> BWR is an LLC, and the subject loan was approved as DSCR.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Guideline is missing (xxsubject is a manually underwritten loan. Reaching out to the seller for the guidelines."<br> \* xxapproval is missing from the loan file.<br> xx/xx/XXXX : Seller confirmed, loan is commercial and loan approval is not required." | \* Loan does not conform to program guidelines (xx)&nbsp;&nbsp;&nbsp;&nbsp; "BWR is an xxmortgage documents were signed by the BWR as members of the LLC and not in the individual names. Personal guarantee is available in the file." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $70000.00 | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | No | Yes | Not Applicable | First |  | $0.00 | $24422.86 | 01/09/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $2988.12 | $3891.57 | 7.380% | 360 |  | xx | xx |  | Commercial | ARM |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst, Xnd, Xrd, and Xth installments of town taxes for XXXX have been paid in the total amount of $xx on different dates.<br> The annual installment of utilities/MUD charges for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of utilities/MUD charges for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xst and Xnd installments of town taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX, respectively.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $4,581.27 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,998.13 with an interest rate of 7.380%. The current UPB reflected as per the payment history is $487,500.00. The loan is interest only for ten years. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $487,500.00.<br> As per tape data, the subject property is occupied by an unknown.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR is an LLC, and the subject loan was approved as DSCR.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Guideline is missing (xxloan is a manual underwritten loan. Reaching out to the seller for the guidelines." | \* Loan does not conform to program guidelines (xx)&nbsp;&nbsp;&nbsp;&nbsp; "BWR is an xxmortgage documents were signed by the BWR as member of the LLC and not in the individual name. Personal guaranty is available in the file." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $154.76 | $6978.18 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2767.14 | 7.750% | 360 |  | xx | xx |  | Commercial | ARM |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 682 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior UCC lien against the borrower xx., which was recorded on xx/xx/XXXX.<br> The Xst, Xnd, Xrd, and Xth installments of town taxes for XXXX have been paid in the amount of $X,XXX.XX on different dates.<br> The Xst and Xnd installments of town taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst installment of utility/MUD charges for XXXX is due in the total amount of $XX.XX on xx/xx/XXXX.<br> The Xnd installment of utility charges for XXXX has been delinquent in the total amount of $XX.XX, which is good through xx/xx/XXXX.<br> The Xth installment of town taxes for XXXX has been delinquent in the total amount of $XXX.XX, which is good through xx/xx/XXXX.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,606.08 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,767.14 with an interest rate of 7.750%. The current UPB reflected as per the payment history is $380,449.99. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $380,449.99.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR is an LLC, and the subject loan was approved as DSCR.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Guideline is missing (xxloan is manually underwritten. Reaching out to the seller for the guidelines." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4402.87 | 11/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1208.74 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 712 | Not Applicable | 38.922% | First | Final policy | Not Applicable | Not Applicable | 05/17/2024 | $249562.28 | Not Applicable | 3.875% | $1023.70 | 07/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,842.07 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,023.70 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $245,762.09. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $245,762.09.<br> Unable to determine the reason for the default.<br> As per the comment dated xx/xx/2024, the subject property is occupied by unknown party.<br> The loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.6 years on the job as an account manager at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2024. As per the modified term, the new principal balance is $249,562.28. The monthly xxis $1,023.70 with an interest rate of 3.875% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxreview of the file show noted items that pose health, safety, and structural issues. Due to rain, the front stoop and bottom drive have shifted and need to be repaired. The estimated cost to cure is approximately $XXXX - $XXXX. XXXXD/inspection report by a qualified professional addressing the completion of repairs is missing from the loan documents, and the final CD does not reflect the escrow holdback." |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the state regulation for the first lien prohibited fees test. The following fee was included in the test:<br> xxpaid by Borrower: $X,XXX.XX."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $3000.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $315.69 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1515.24 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 763 | Not Applicable | 47.241% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found. <br> Parcel # xx<br> The annual county taxes for XXXX and XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> Parcel # xx<br> The annual county taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual county taxes for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,995.85 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,515.24 with an interest rate of 5.990%. The current UPB is $249,619.40. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $249,619.40.<br> According to the servicing comments, the subject property is owner-occupied.<br> The loan has not been modified since origination. <br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the lender did not document the rental income. Excluding the rental income, the revised DTI is XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives social security income, FICO XXX, XXXX since inception, $XXK equity in the subject, and $X,XXX residual income." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3437.24 | 11/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1194.91 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 688 | Not Applicable | 49.367% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one UCC judgment against subject property in favor of xx, which was recorded on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,733.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,194.91 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $200,537.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $200,537.00.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 9.33 years on the job as a teacher at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX.<br> Loan estimate dated xx/xx/XXXX reflects xx.XX. CD dated xx/xx/XXXX reflects xx,XXX.XX.<br> This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX.<br>Loan fails xxpoints and fees test due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* xxshows the condo project reflects a PAR status of not eligible in the condo project advisor, making the loan ineligible for delivery. Review of the condo questionnaire does not reflect any special assessment. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXxxoriginated on xx/xx/XXXX." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1916.88 | 10/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $885.22 | 3.125% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 698 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 07/10/2025 | $215635.08 | Not Applicable | 2.500% | $711.12 | 09/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a civil judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual combined taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,070.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $711.12 with an interest rate of 2.50%. The current UPB reflected as per the payment history is $214,847.80. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $214,847.80.<br> As per the comment dated xx/xx/2025, the reason for default is curtailment of income.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2024, the borrower xx on a forbearance plan.<br> The loan was modified on xx/xx/2025.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4 months on the job as a delivery driver with xx, and also BWR has 1.08 years on the job as an infantryman with the xx Company. BWR has previous work experience with xx.41 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2025. As per the modified term, the new principal balance is $215,635.08. The monthly xxis $711.12 with an interest rate of 2.50% beginning on xx/xx/2025 and a maturity date of xx/xx/2065. There is no deferred balance and principal forgiven amount. | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the BWR entered into the xxmortgage program that had already expired. Further details not provided. Subject loan originated on xx/xx/XXXX, and FICO XXX." | \* Cash out purchase (xx)(xx)(xx)(xx))<br> A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was<br> not provided to the borrower xx on xx/xx/XXXX, xx/xx/XXXX and xx/xx/XXXX."<br> \* xxmissing; loan has escrows (xxescrow account disclosure signed by borrower is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8479.41 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3157.00 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 732 | Not Applicable | 49.566% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,774.61 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,157.00 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $467,185.92. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $467,185.92.<br> As per the collection comments dated xx/xx/2025, the subject property is owner-occupied.<br> As per the collection comments dated xx/xx/2025, the reason for default is an excessive obligation.<br> As per the collection comments dated xx/xx/2024, the BWR stated that there is unexpected damage to the property that was pre-existing after purchase. The estimated cost of repairs is not available. Subsequent comments do not show any damages and repairs.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 13 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the property is NOO due to misrepresentation. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's xxsubject approved as OO at XX.XX%. The tape shows the subject is NOO due to misrepresentation causing the lender to omit the BWR primary housing expense. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE for XX.XX years at xx, xxequity in the subject."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The initial loan estimate dated xx/xx/XXXX reflects points - loan discount fee of $X,XXX.XX. The final CD dated xx/xx/XXXX reflects points - loan discount fee of $X,XXX.XX. The initial loan estimate dated xx/xx/XXXX does not reflect the appraisal - comparable rent fee. The final CD dated xx/xx/XXXX reflects the appraisal - comparable rent fee of $XXX.XX. The initial loan estimate dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. The final CD dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. The initial loan estimate dated xx/xx/XXXX does not reflect the appraisal review fee. The final CD dated xx/xx/XXXX reflects the appraisal review fee of $XXX.XX. The initial loan estimate dated xx/xx/XXXX reflects a transfer tax fee of $X,XXX.XX. The final CD dated xx/xx/XXXX reflects a transfer tax fee of $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2486.96 | 11/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5117.48 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 752 | Not Applicable | 36.824% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,855.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,117.48 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $775,016.57. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $775,016.57.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has been SE for 14.33 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (xxshows assets could not be verified. Bank statements in the file show $XXK in assets; gift assets of $XXK are supported by a gift letter, and the cash-to-close requirement is $XXK."<br> \* xxis "xxfailed XX delivery and timing test for revised CD dated xx/xx/XXXX. Document tracker is missing and X business days were added to get receipt date xx/xx/XXXX which is after the consummation date xx/xx/XXXX." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 11/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1129.35 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 704 | Not Applicable | 45.964% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The tax status is to follow. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,580.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,129.35 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $167,726.42. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $167,726.42.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br> BWR has 4.25 years on the job as a warehouse keeper at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject is NOO, due to misrepresentation. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX% xxtape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a warehouse keeper at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject."<br> \* xxfailed TRID Rate lock disclosure delivery date test due to disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower xx on xx/xx/XXXX, xx/xx/XXXX and xx/xx/XXXX."<br> \* xxloan failed the Pennsylvania license validation test."<br> \* xxis "xxloan failed the initial closing disclosure delivery date test due to The initial closing disclosure receipt date is provided, and the initial closing disclosure receipt date is less than three business days before the consummation date." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $6718.45 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5472.10 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 793 | Not Applicable | 33.036% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active prior mortgage against the subject property, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $5,472.10, which was applied for the due date of xx/xx/2025. The current xxis $5,472.10 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $750,448.25. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $750,448.25.<br> As per the tape, the subject property occupancy is stated as an investor.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE owning multiple businesses for 29.66 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxappraisal report show various cracks in the basement foundation walls, unfinished drywall at the main bedroom ceiling, and a broken ceiling in the basement. The estimated cost to cure is $XXxx, or a structural inspection report by a licensed professional, is missing from the loan documents, and the final CD does not reflect the escrow holdback amount." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | 11/17/2025 | Not Applicable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1016.76 | 3.240% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 648 | Not Applicable | 35.754% | First | Short Form Policy | Not Applicable | Not Applicable | 08/01/2025 | $129680.56 | Not Applicable | 3.240% | $812.74 | 09/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx., dba xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,189.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $812.74 with an interest rate of 3.240%. The current UPB reflected as per the payment history is $128,189.09.<br> As per the comment dated xx/xx/2025, the payments made in the month of Sep-2025 are BWR payments. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $128,189.09.<br> As per the comment dated xx/xx/2025, the subject property is tenant occupied.<br> As per the comment dated xx/xx/2025, the reason for default is unemployment.<br> The loan was modified on xx/xx/2025.<br> As per the comment dated xx/xx/2025, the borrower xx, which will begin on xx/xx/2025.<br> As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2025. As per the comment dated xx/xx/2025, the foreclosure was put on hold on xx/xx/2025 due to loss mitigation. Further details not provided.<br> As per the comment dated xx/xx/2024, the roof of the subject property was damaged due to disaster. No comments have been found regarding the DOL, the estimated cost to repair the damages, or the completion of the repairs. xxdo not show any damages.<br> As per the comment dated xx/xx/2024, a payment dispute has been notified. Further details not provided.<br> No post-close bankruptcy record has been found.<br> BWR has 4 months on the job as a plumber at xx. BWR had multiple jobs in the last 2 years.<br> Foreclosure Comments:As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2025. As per the comment dated xx/xx/2025, the foreclosure was put on hold on xx/xx/2025 due to loss mitigation. Further details not provided.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx., on xx/xx/2025. As per the modified term, the new principal balance is $129,680.56. The monthly xxis $812.74 with an interest rate of 3.240% beginning on xx/xx/2025 and a maturity date of xx/xx/2043. There is no deferred balance and no principal forgiven amount. | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows income miscalculation. xxis XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X months on the job as a plumber at xx, FICO XXX, $XXK equity in the subject, and $X,XXX residual income."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxfails xxpoints and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* xxloan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* xxis missing. (xxcounseling disclosure is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by BWR is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $1122.55 | $4308.32 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1784.04 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 718 | 711 | 33.848% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active junior mortgage against the subject property in favor of MERS as nominee for xx, in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument # xx.<br> The second installment of city taxes for XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The first installment of city taxes for XXXX is delinquent (xx) in the total amount of $X,XXX.XX, which is good through xx/xx/XXXX.<br> The first installment of city taxes for XXXX has been partially paid in the amount of $X,XXX.XX on xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,391.89, which was applied for the due date of xx/xx/2025. The current monthly xxis $1,784.04 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $289,475.07. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $289,475.07.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR1 has 1.41 years on the job as an environmental services supervisor at xx. Previously, BWR1 had 8 months on the job as a manager at xx. <br> BWR2 has 5.25 years on the job as a server with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshow closing CD was not issued X days prior to the closing date. Further details not provided. xxreport shows this loan failed the revised closing disclosure delivery date test."<br> \* xxdate test xxloan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1841.92 | 11/24/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1482.33 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 730 | Not Applicable | 39.273% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX-XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,723.98 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,482.33 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $209,489.56. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $209,489.56.<br> As per the tape, the subject property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 4.91 years on this job as a finance director at the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxagreement is missing from the loan documents." | \* xxshows the condo project is ineligible due to split ownership arrangements, as ownership of the land and improvements is divided. Review of condo questionnaire does not show any special assessment. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1437.27 | 12/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $710.90 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 777 | 683 | 37.413% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $983.45 (xx), which was applied for the due date of xx/xx/2025. The current xxis $710.90 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $116,772.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $116,772.00.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape, the subject property is owner-occupied.<br> BWR1 has been SE for 3.33 years at xx<br> BWR2 has 5.25 years on the job as a bartender with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows the co-borrower was not employed at the time of closing. The revised DTI is XX.X%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been SE for X.XX years at XXXX. BWRX has X.XX years on the job as a bartender with xx. FICO XXX, XXXX since inception, $XXK equity in the subject, and $XXX residual income." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4373.08 | 12/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1236.13 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 738 | 738 | 32.118% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, LTD.<br> There is an active junior mortgage against the subject property in favor of the xxamount of $X,XXX.XX, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with the instrument #xx. This mortgage was rerecorded on xx/xx/XXXX to correct the notary section.<br> The first and second installments of county taxes for XXXX/XXXX have been paid in the total amounts of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,723.05 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,236.13 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $184,715.07. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $184,715.07.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> BWR1 has 9.83 years on the job as a welder at xx. <br> BWR2 has 10.75 years on the job as a landscape foreman at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxseller's tape data shows the second lien $X,XXX IHDA down payment assistance will be retained by xxupdated title report dated xx/xx/XXXX, there is an active junior mortgage against the subject property in favor of the xxamount of $X,XXX.XX, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with the instrument #xx. This mortgage was rerecorded on xx/xx/XXXX to correct the notary section."<br> \* TRID xxloan failed the TRID rate lock disclosure delivery date." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the lender did not document sufficient assets to close. xxreflects a $X,XXX gift of equity and a tax proration credit of $X,XXX.XX. Excluding the excess tax proration credit, bank statement in file reflects $XXX.XX in available assets, which does not meet the required qualifying assets, resulting in a borrower shortfall of $X,XXX.XX. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a welder at xx. BWRX has XX.XX years on the job as a landscape foreman at xx, FICO XXX, and $X,XXX equity in the subject."<br> \* Cash out purchase (xxsubject loan is purchase case. xxdated xx/xx/XXXX reflects cash to in the amount of $XXX.XX." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6697.75 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2907.51 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 682 | Not Applicable | 49.761% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx, LTD.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,592.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,907.51 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $458,745.70. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $458,745.70.<br> As per tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR was qualified using an offer letter as a lead analyst with xx. Previously, BWR had 3.33 years on the job as an assistant director with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxwas approved at XX.XX%. The tape shows the lender was unable to validate income and employment due to insufficient income history, and the lease agreement for the departing residence was unacceptable because the property is vacant and listed for sale. Unable to determine revised xxdefect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWR was qualified using an offer letter as a lead analyst with xx, FICO XXX, and $XXXK equity in the subject." | \* Missing or error on the xxlock agreement signed by BWR is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $3.26 | $2559.96 | 11/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1228.28 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 798 | Not Applicable | 38.562% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, LTD.<br> No active judgments or liens have been found.<br> The Xnd installment of town taxes for XXXX has been paid in the total amount of $XXX.XX on xx/xx/XXXX.<br> The Xst installment of town taxes for XXXX was partially paid in the amount of $XXX.XX and remaining balance is delinquent in the amount of $X.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,436.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,228.28 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $188,550.54. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $188,550.54.<br> As per the tape, the subject property is non-owner occupied. <br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has been SE for 13.25 years at xx, BWR has been SE for 6.33 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxsubject is approved as xxlease agreement is missing from the loan documents. Seller provided XXXX and confirmed that XXXX was used in lieu of a lease agreement." |  | \* ATR - Unable to determine borrower's xxloan is NOO and was approved at XX.XX%. Tape shows rental income used for qualification is not supported by tax return. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE for XX.XX years at xx, BWR has been SE for X.XX years at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. Review confirms ATR with documented repairs on rental properties in question." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $316.86 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $811.18 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 777 | Not Applicable | 7.278% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd and Xth installments of county taxes for XXXX are due in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $864.90 (xx), which was applied for the due date of xx/xx/2025. The current xxis $811.18 with an interest rate of 8.125%. The current UPB reflected as per the payment history is $107,310.35.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $107,310.35.<br> As per tape data, the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.16 years on the job as a product designer at xx. BWR had multiple jobs in the last 2 years. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxshows property is NOO as the BWR did not occupy the subject after closing. Further details were not provided. Elevated for client review."<br> \* xxis not active (xxshows the MI rescinded." | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxapproved as OO at X.XX%. Tape shows subject is NOO as the BWR did not occupy the subject after closing, causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a product designer at xx, FICO XXX, XXXX in the last XX months and $X,XXX equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3567.29 | 6.750% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 670 | Not Applicable | 43.748% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior medical lien against the borrower xx, LTD, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX have been exempted.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,730.56 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,567.29 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $547,118.51. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $547,118.51.<br> The loan has not been modified since origination.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives pension and VA benefits income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* MI, xxmissing and required (xxloan guaranty certificate is missing from the loan documents."<br> \* xxshows the subject loan is not insured." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The revised LE dated xx/xx/XXXX reflects points - loan discount fee of $X,XXX.XX. The final CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows the subject loan does not meet VA net tangible benefit requirements for a refinance loan. xxshows BWR received $XXXK at closing. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1341.24 | 12/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2309.01 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 802 | Not Applicable | 38.300% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,755.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,309.01 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $355,693.49.<br>| Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $355,693.49.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1 month on the job as an operations analyst at xx. BWR had multiple jobs in the last 2 years. Additionally, BWR receives VA benefit income. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxagreement is missing from the loan documents." | \* Loan does not conform to program guidelines (xx) for investment property. xxreflects seller credit of $XX,XXX.XX. Further details not provided. Subject originated on xx/xx/XXXX." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $123.46 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2992.69 | 8.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 672 | Not Applicable | 12.528% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,679.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,992.69 with an interest rate of 8.750%. The current UPB reflected as per the payment history is $374,451.73. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB, reflected as per the payment history tape data, is $374,451.73.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 6.58 years with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br>The loan failed the NC rate spread home loan test."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does not reflect xx, CD dated xx/xx/XXXX reflects xx.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. xxincrease in fee is available. xx/xx/XXXX, COC is not getting tested. <br> Subject loan is a purchase case, originated on xx/xx/XXXX and the SOL is X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows the subject loan is an HPML loan, and the second appraisal ordered was not delivered X days prior to closing. Further details not provided."<br> \* Missing or error on the xxrate lock agreement is missing from the loan documents." | \* xxtest xxfailed the higher-priced mortgage loan test (xx)(xx)) due to an APR calculated at X.XXX% exceeding the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulations XXXX.XX(xx), (xx), and (xx)." |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $23790.64 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5837.38 | 6.750% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 718 | Not Applicable | 32.482% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2026. According to the tape as of xx/xx/2025, the next due date is xx/xx/2026. The current xxis $5,837.38 with an interest rate of 6.750%. The current UPB reflected as per the tape is $900,000.00. | Collections Comments:The current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the tape is $900,000.00.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 6 months on the job as a professional athlete at the xx, BWR was a full-time student with the xxbetween xx/xx/2022 and xx/xx/2025 for 2.58 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show the BWR is an XXXX and the investor would not purchase loan due to the structure of XXXX contracts. Further details not provided. The subject originated on xx/xx/XXXX. FICO XXX." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3743.61 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2670.72 | 7.250% | 359 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 814 | Not Applicable | 46.286% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,136.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,670.72 with an interest rate of 7.25%. The current UPB reflected as per the payment history is $388,361.53. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $388,361.53.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4 years on the job as a vehicle inspector at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows BWR income declined after closing. Further details not provided. Subject originated on xx/xx/XXXX. BWR has X years on the job as a vehicle inspector at xx, FICO XXX, and XXXX since inception."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $607.67 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1069.15 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 818 | Not Applicable | 38.616% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd and Xth installments of county taxes for XXXX are due in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,163.18 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,069.15 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $162,337.46. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $162,337.46.<br> As per the tape, the subject property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.58 years on the job as an accountant at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the condominium project is not warrantable (xxmaster insurance policy carries a XX% deductible, which exceeds agency guideline limits. Review of the condo questionnaire does not show any special assessment. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2308.18 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2614.89 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 801 | 815 | 29.717% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior mortgage against the subject property, which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX in the amount of $xx with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025 with a first payment date of xx/xx/2026. According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current xxis $2,614.89 with an interest rate of 6.375%. The current UPB reflected as per the tape is $419,141.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB as per the tape is $419,141.00.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.25 years on the job as a teacher at the xx<br> BWR2 has 7.58 years on the job as a pilot at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX.<br> Loan estimate dated xx/xx/XXXX does not reflect Funding, Wire, or xxdated xx/xx/XXXX reflects Funding, Wire, or xx.XX.<br> This is a cumulative increase in fee of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows the DPA program guidelines were not met, as the borrower's qualifying income exceeds the county income limit and the loan is not eligible for the DPA program. Further details not provided. The subject is in first lien. Subject originated on xx/xx/XXXX, FICO XXX, and $xx equity in the subject." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8875.88 | 11/24/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2627.72 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 743 | Not Applicable | 43.735% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior mortgage against the subject property that originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx, a public corporation.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,679.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,627.72 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $389,825.29. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $389,825.29.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.25 years on the job as a team lead at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the DPA program did not meet guidelines that require the borrower xx. Review of the loan file subject property located in the state of FL, and BWR was working at xx, which is located in xxdetails not provided."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1462.67 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1792.09 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 712 | Not Applicable | 38.420% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a public corporation.<br> The annual installment of county taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,290.07 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,792.09 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $263,970.94. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $263,970.94.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.25 years on the job as a service technician III with xx. Previously BWR had 2 years on the job as a diesel technician with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject lien is in first position. Review of the file shows the subject has a xx, resulting in an xxdecision. Manual underwriting is not acceptable for this loan. Subject originated on xx/xx/XXXX." | \* xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx)."<br> \* Property is xxper the appraisal report, which is located at "xx" the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at "Ln#xx." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3456.50 | 12/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2216.48 | 8.990% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 50.183% | First | Final policy | Not Applicable | Not Applicable | 07/18/2011 | $270000.00 | Not Applicable | 5.500% | $1630.85 | 08/01/2011 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> There are four credit card judgments against the borrower xx, which were recorded on different dates, in the total amount of $XX,XXX.XX.<br> The Xst installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,346.50 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,630.85 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $167,376.58. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $167,376.58.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the servicing comment dated xx/xx/2024, the reason for default is unemployment.<br> As per the tape data, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2011.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers xxlender xxon xx/xx/2011. As per the modified term, the new principal balance is $270,000.00. The monthly xxis $1,630.85 with an interest rate of 5.500% beginning on xx/xx/2011 and a maturity date of xx/xx/2037. The loan has been modified once since origination. | Missing or error on the xx<br> xx | xx | 2: Acceptable with xx |  |  | \* xxloan failed the Connecticut license validation test."<br> \* xxloan failed the Connecticut license validation test."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* Note has xxwith xx, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice."<br> \* xxmissing or unexecuted (xxis missing from the loan file." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $0.00 | 12/04/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Unavailable | No | xx | Not Applicable | $385.04 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 7.701% | First | Short Form Policy | Not Applicable | Not Applicable | 01/19/2021 | $82335.35 | $1659.00 | 7.625% | $536.27 | 03/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active PACE lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $536.27 (xx), which was applied for the due date of xx/xx/2025. The current xxis $536.27 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $77,573.58. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $77,573.58.<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2021.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> xx, the borrowers, xx and xx, filed bankruptcy under Chapter 13 with the case # xx. xxwas dismissed on xx/xx/2019 and terminated on xx/xx/2019.<br>Foreclosure Comments:Not Applicable<br> xx, the borrowers, xx and xx, filed bankruptcy under Chapter 13 with the case # xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $51,000.00. The unsecured portion is $0.00. xxwas filed by the creditor on xx/xx/2014, with the secured claim amount of $xx and the arrearage amount of $48,563.97. The chapter 13 plan filed on xx/xx/2019 was confirmed on xx/xx/2014. The borrower xx.27 per month for 60 months to the trustee under the Chapter 13 plan. There is no comment indicating a cram down. xxwas dismissed on xx/xx/2019 and terminated on xx/xx/2019. | The modification agreement was made between the borrower, xx and xx, and the lender, xx, on xx/xx/2021. As per the modified term, the new principal balance is $82,335.35. The monthly xxis $536.27 with an interest rate of 7.625% beginning on xx/xx/2021 and a maturity date of xx/xx/2060. There is no deferred balance and principal forgiven amount. | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows xxdetails not provided." | \* xxloan is not failing predatory lending laws. It only exceeds the GSE points and fees test. xxfee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing credit report (xxcredit report is missing from the loan file."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $5379.99 | 10/03/2025 | Unavailable | Unavailable | Bankruptcy | Chapter 13 | xx | Unavailable | No | xx | Not Applicable | $2084.72 | 6.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 572 | 538 | 41.609% | First | Final policy | Not Applicable | Not Applicable | 12/01/2013 | $495798.61 | $348798.61 | 4.250% | $666.55 | 12/01/2013 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX at Book xx, Page xx in the amount of $xx with xx, a corporation.<br> There is an active certificate of tax sale against the subject property in favor of xxyear XXXX, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst to Xth installments of town taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX, xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> The Xst and Xnd installments of town taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,555.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $666.55 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $105,381.69. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $105,381.69.<br> The loan was modified on xx/xx/2013.<br> As per the comment dated xx/xx/2025, the reason for the default is the death of the mortgagor's family member.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2024, the subject property needs repairs to the home. Unable to determine the type of damage and estimated cost of repair. No comments have been found regarding repair completion.<br> As per the comment dated xx/xx/2024, the foreclosure was initiated on the loan in 2019. The foreclosure sale was scheduled in May 2019, and the bankruptcy was filed to stop the foreclosure sale. Further details are not provided.<br> xx, the borrower, xx. Violeta, filed bankruptcy under Chapter 13 with the case #xx. xxwas discharged on xx/xx/2022 and terminated on xx/xx/2022.<br> Foreclosure Comments:As per the comment dated xx/xx/2024, the foreclosure was initiated on the loan in 2019. and the foreclosure sale was scheduled in May 2019, and the FC was placed on hold due to bankruptcy. Further details are not provided.<br> xx, the borrower, xx. Violeta, filed bankruptcy under Chapter 13 with the case # xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $220,000.00. The unsecured portion is $0.00. xxwas filed by the creditor, xx, on xx/xx/2019, with the secured claim amount of $xx and the arrearage amount of $23,678.12. The chapter 13 plan filed on xx/xx/2019 was confirmed on xx/xx/2021. The borrower xx, and then the sum of $2,089.00 for a period of 2 months. There is no comment indicating a cramdown. xxwas discharged and terminated on xx/xx/2022. | The step modification agreement was signed between the borrowers, xx and xx, and the lender, xx, with an effective date of xx/xx/2013, and the new modified unpaid principal balance is $495,798.61. The modified monthly xx.84 with an interest rate of 2.000% starting on xx/xx/2013, which will be changed in 04 steps until the new maturity date of xx/xx/2046. The rate will change in 04 steps, which end with 4.250%. There is a deferred balance of $xx and the deferred balance is eligible for forgiveness in the amount of $348,798.61. The interest-bearing principal balance is $147,000.00. | 1-4 xx<br> Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* xxloan fails the prohibited fees test.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* Missing required X-X family rider (xxfamily rider is missing from the loan documents." |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $2615.90 | $3335.02 | 12/14/2025 | xx | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1202.01 | 5.000% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Streamline Refinance | No | Unavailable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 09/24/2020 | $54916.11 | $1.00 | 5.000% | $582.47 | 08/01/2020 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, FA. <br> There are two junior mortgages against the subject property, which were recorded on xx/xx/XXXX and xx/xx/XXXX in favor of xx, a federal association, and xxamounts of $xx and $XX,XXX.XX.<br> The Xst and Xnd instalments of borough taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX. <br> The Xrd and Xth instalments of borough taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual instalment of utilities/MUD taxes for XXXX is delinquent in the amount of $X,XXX.XX on xx/xx/XXXX, which is good through xx/xx/XXXX.<br> The annual water taxes for XXXX have been delinquent in the amount of $X,XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,407.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $582.47 with an interest rate of 5.000%. The current UPB is $22,791.13. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $22,791.13.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the loan documents, the loan was modified on xx/xx/2020.<br> According to the updated title report dated xx/xx/2025, the foreclosure was initiated on the loan in 2017. As per the lis pendency located at Ln#xx, the complaint was filed on xx/xx/2017. As per the document located at Ln#xx, the release of lis pendens was filed on xx/xx/2021 and recorded on xx/xx/2021.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:According to the updated title report dated xx/xx/2025, the foreclosure was initiated on the loan in 2017. As per the lis pendency located at Ln#xx, the complaint was filed on xx/xx/2017. As per the updated title report, the release of lis pendens was filed on xx/xx/2021 and recorded on xx/xx/2021.<br> Bankruptcy Comments:Not Applicable | The fixed-rate modification agreement was signed between the borrowers, xx and xx, and the lender, MERS as nominee for xx, with an effective date of xx/xx/2020, and the new modified unpaid principal balance is $54,916.11. The modified monthly xxis $582.47 with an interest rate of 5.000% beginning on xx/xx/2020 and a maturity date of xx/xx/2030. There is a deferred balance of $1.00 and no principal forgiven balance. The loan has been modified once since origination. | xx<br> xx<br> xx | xx | 2: Acceptable with xx |  |  | \* xxloan failed the xxtest as the final TIL is missing from the loan documents."<br> \* xxis missing from the loan documents."<br> \* xxapplication signed by the loan originator is missing from the loan documents."<br> \* xxmissing or unexecuted (xxis missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $7003.16 | 12/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1553.68 | 7.840% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 48.118% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | 6.000% | $1425.45 | Unavailable | Unavailable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,043.03 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,425.45 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $122,502.64. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $122,502.64.<br> Unable to determine the RFD.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The modification agreement is missing from the loan file.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage with a xx,553.68, a rate of interest of 7.84000%, and a maturity date of xx/xx/2034. xxper payment history tape data is $1,425.45, and the rate of interest is 6.00%. There is a difference in xxrate of interest with respect to the note. The modification agreement is missing from the loan file. | Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxshows the subject loan is uninsured." |  | \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeds the disclosed finance charge of $xx over by -$XXX.XX. The loan failed the TILA foreclosure rescission finance charge test due to the calculated finance charge of $xx exceeds the disclosed finance charge of $xx over by -$XXX.XX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | Yes | No | Not Applicable | First |  | $0.00 | $981.08 | 12/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1632.44 | 8.092% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 10/25/2016 | $176448.29 | Not Applicable | 6.500% | $1194.59 | 11/01/2016 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, FSB.<br> There is a junior mortgage against the subject property in favor of xx, NA, in the amount of $xx which was recorded on xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The third and fourth installments of county taxes for XXXX are due in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,362.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,194.59 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $139,886.41. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $139,886.41.<br> As per the comment dated xx/xx/2025, the RFD is curtailment of income.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2016.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2016. As per the modified term, the new principal balance is $176,448.29. The monthly xxis $1,194.59 with an interest rate of 6.500% beginning on xx/xx/2016 and a maturity date of xx/xx/2041. There are no deferred balances or principal forgiven amounts. | xx<br> Missing or error on the xx<br> xx | xx | 2: Acceptable with xx |  |  | \* Missing credit report (xxcredit report is missing from the loan file."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxis missing from the loan file." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2574.74 | 11/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1103.61 | 10.071% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 44.533% | First | Final policy | Not Applicable | Not Applicable | 07/01/2021 | $145501.65 | Not Applicable | 6.000% | $1126.82 | 08/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with Book xx, Page xx, in the amount of $xx with xx, FSB.<br> There is a xxagainst the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. <br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,850.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,126.82 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $121,705.06. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $121,705.06.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2024, the reason for default is curtailment of income.<br> As per the comment dated xx/xx/2024, there is a payment dispute. Further details not provided.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2021.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx. xx, and the lender, xx, by xx, as indenture trustee, on xx/xx/2021. As per the modified term, the new principal balance is $145,501.65. The monthly xxis $1,126.83 with an interest rate of 6.000% beginning on xx/xx/2021 and a maturity date of xx/xx/2038. There is no deferred balance and principal forgiven amount. | xx<br> Missing or error on the xx<br> xx<br> xx | xx | 4: Unacceptable | \* xxis not active (xxshows subject loan is uninsured." |  | \* xxreport is missing from the loan documents. Zillow search shows an estimated value at $XXXxxcurrent UPB is $XXXK."<br> \* xxapplication signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxsigned by the borrower xx." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second | xx | $0.00 | $0.00 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1277.85 | 11.600% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 31.472% | First | Final policy | Not Applicable | Not Applicable | 05/26/2009 | $131945.15 | Not Applicable | 4.490% | $689.60 | 06/01/2009 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active HOA lien against the subject property in favor of xx., a xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> There is an active state tax (Warrant for xx, xx, xx, xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX. <br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $846.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $689.60 with an interest rate of 4.490%. The current UPB reflected as per the payment history is $73,867.75. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $73,867.75.<br> As per the collection comment dated xx/xx/2025, the reason for default is payment dispute.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2009.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2009. As per the modified term, the new principal balance is $131,945.15. The monthly xxis $689.60 with an interest rate of 4.490% beginning on xx/xx/2009 and a maturity date of xx/xx/2037. There is no deferred balance and principal forgiven amount. | Missing or error on the xx<br> xx | xx | 2: Acceptable with xx |  |  | \* xxloan failed the TILA finance charge test due to the disclosed finance charge of $xx exceeds the calculated finance charge of $xx by -$XXX.XX. The loan failed the TILA foreclosure rescission finance charge test due to the disclosed finance charge of $xx exceeds the calculated finance charge of $xx by -$XXX.XX."<br> \* xxloan does not violate predatory lending laws. It only exceeds the GSE points and fees test: xxfee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxis missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $1499.46 | 12/01/2025 | Unavailable | No | Unavailable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $838.54 | 11.550% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 547 | 513 | 38.614% | First | Short Form Policy | Not Applicable | Not Applicable | 06/30/2011 | $97451.67 | Not Applicable | 6.000% | $551.16 | 08/01/2011 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a mechanic's lien against the borrower xx, in the amount of $X,XXX.XX, which was recorded on xx/xx/XXXX. <br> There is an active DOJ lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XXX,XXX.XX. <br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $652.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $551.16 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $78,876.41. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $78,876.41.<br> As per the collection comment dated xx/xx/2025, the reason for default is curtailment of income.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2024, the borrower xx. The date of loss is xx/xx/2021. As per the comment dated xx/xx/2024, the loss draft check was received in the amount of $19,304.21. As per the comment dated xx/xx/2025, a claim check was received for the total amount of $1,430.16 due to water damage. Further details not provided. No further information was found regarding the completion of repairs.<br> The loan was modified on xx/xx/2011.<br> As per the updated title report dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2020; the FC is put on hold because a bankruptcy.<br> xx, the borrowers, xx and xx, filed bankruptcy under Chapter 13 with the case #xx. xxwas dismissed on xx/xx/2023 and terminated on xx/xx/2023.<br>Foreclosure Comments:As per the updated title report dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2020; the FC is put on hold because a bankruptcy chapter 13 plan was filed on xx/xx/2022 and confirmed on xx/xx/2022. The borrower xx,100.00 for 60 months to the trustee under the Chapter 13 plan. Further details not provided.<br> Bankruptcy Comments:<br> xx, the borrowers, xx and xx, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $160,000.00. The unsecured portion is $0.00. xxwas filed by the creditor, xx, on xx/xx/2022, with the secured claim amount of $xx and the arrearage amount of $29,137.30. The amended chapter 13 (Doc #xx. The borrower xx,100.00 for 60 months to the trustee under the Chapter 13 plan. There is no comment indicating a cramdown. xxwas dismissed on xx/xx/2023 and terminated on xx/xx/2023. | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2011. As per the modified term, the new principal balance is $97,451.67. The monthly xxis $551.16 with an interest rate of 6.000% beginning on xx/xx/2011 and a maturity date of xx/xx/2037. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | xx<br> Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* xxis missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $20734.37 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1350.00 | 12/03/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | $436.44 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 719 | 549 | 37.885% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, xx, and xx<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $637.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $436.43 with an interest rate of 7.000%. The current UPB is $41,092.27. | Collections Comments:According to the servicing comments, the current status of the loan is in collections.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $41,092.27.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the collection comment dated xx/xx/2025, the reason for default is the borrower's income was impacted by Covid-19.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> xx, the borrowers, xx. xx, filed bankruptcy under Chapter 13 with the case #xx. xxwas discharged on xx/xx/2014 and terminated on xx/xx/2014.<br> Foreclosure Comments:Not Applicable<br> xx, the borrowers, xx. xx, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $85,000.00. The unsecured portion is $0.00. xxwas filed by the creditor, Taylor, Bean, and xx, on xx/xx/2009, with the secured claim amount of $xx and the arrearage amount of $7,393.73. xxplan filed on xx/xx/2008 was confirmed on xx/xx/2009. There is no comment indicating a cramdown. xxwas discharged on xx/xx/2014 and terminated on xx/xx/2014. | Not Applicable | xx | xx | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for xx." | \* xxmissing or unsigned (xxfinal HUD-X is missing from the loan documents. CE was tested using the fee itemization in the file." | \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$XXX.XX. <br>The loan failed the TILA foreclosure rescission finance charge test due to calculated finance charge of $xx exceeds the disclosed finance charge of $xx by -$XXX.XX." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3404.63 | 11/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1104.73 | 7.800% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 557 | 531 | 45.460% | First | Final policy | Not Applicable | Not Applicable | Unavailable | $98676.04 | Unavailable | 6.375% | $752.72 | 01/01/2025 | Unavailable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual sewer charges for XXXX have been delinquent in the amount of $XXX.XX, which was good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,597.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $752.72 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $96,335.60.<br> The due dates were adjusted from xx/xx/2024 to xx/xx/2025 due to modification. | Collections Comments:According to the servicing comments, the current status of the loan is collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $96,335.60.<br> As per the collection comment dated xx/xx/2025, the reason for the default is illness of the borrower.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape, the loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage with a xx,104.73, a rate of interest of 7.800%, and a maturity date of xx/xx/2035. The current xxper the latest payment history as of xx/xx/2025 is $752.72, and the rate of interest is 6.375%. There is a difference in xxrate of interest with respect to the note. As per the tape, the loan has been modified on xx/xx/2024. The modification agreement is missing from the loan file. | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* xxloan failed the CT license validation test."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* Not all borrowers signed xxis not hand signed by the borrower."<br> \* TIL not hand dated (xxis not hand-dated by the borrower." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/11/2025 | Unavailable | No | Unavailable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | $605.67 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 607 | Not Applicable | 55.552% | First | Short Form Policy | Not Applicable | Not Applicable | 08/01/2013 | $116044.88 | Not Applicable | 4.125% | $494.06 | 08/01/2013 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active civil judgment against the borrower xx and xx, L.L.C., which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,198.23 (xx), which was applied for the due date of xx/xx/2025. The current xxis $494.06 with an interest rate of 4.125%. The current UPB reflected as per the payment history is $100,353.45. As per the comment dated xx/xx/2024, the payments made in the month of August 2024 are BWR payments. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $100,353.45.<br> As per the comment dated xx/xx/2025, the reason for the default is the illness of the borrower.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2013.<br> As per the comment dated xx/xx/2024, the borrower xx. Further details were not provided.<br> According to the updated title report dated xx/xx/2025, the foreclosure was initiated on this loan in 2012, and the notice of seizure located at Ln#xx. Further details were not provided.<br> xx, the borrower xx. xxwas dismissed on xx/xx/2018 and terminated on xx/xx/2019.<br> Foreclosure Comments:According to the updated title report dated xx/xx/2025, the foreclosure was initiated on this loan in 2012, and the notice of seizure located at Ln#xx. Further details were not provided.<br> xx, the borrowers, xx and xx, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $116,000.00. The unsecured portion is $0.00. xxwas filed by the creditor xxon xx/xx/2014, with the secured claim amount of $xx and the arrearage amount of $3,000.00. xxplan filed on xx/xx/2014 was confirmed on xx/xx/2014. The borrower xx.00 for 60 months. xxwas dismissed on xx/xx/2018 and terminated on xx/xx/2019. | The modification agreement was made between the borrower, "xx," and the lender, "xx," on xx/xx/2013. As per the modified term, the new principal balance is $116,044.88. The monthly xxis $494.06 with an interest rate of 4.125% beginning on xx/xx/2013 and a maturity date of xx/xx/2053. There is no deferred balance and no principal forgiven amount. The loan has been modified once since origination. |  | xx | 4: Unacceptable | \* xxis not active (xxshows the subject loan is uninsured." |  |  |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $330.02 | 12/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $380.10 | 7.990% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 535 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with Book xx, Page xx, in the amount of $xx with xx.<br> There is a junior mortgage against the subject property that originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with Book xx, Page xx, in the amount of $xx with xx.<br> There are two junior civil judgments against the borrower xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the amount of $XX,XXX.XX.<br> There are X state tax liens against the borrower xx, which were recorded on different dates, in the total amount of $XX,XXX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $657.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $383.22 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $61,923.64.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $61,923.64.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional ARM rate mortgage with a xx.10, a rate of interest of 7.900%, and a maturity date of xx/xx/2035. xxper payment history tape data is $383.22, and the rate of interest is 5.500%. There is a difference in xxrate of interest with respect to the note. The modification agreement is missing from the loan file. | Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxshows subject loan is uninsured." |  | \* xxfails xxpublic guidelines) QM points and fees test due to fees charged of $X,XXX.XX Exceeds the fees threshold of $X,XXX.XX by $XXX.XX. xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $XXX.XX xxpaid by Borrower: $XXX.XX xxpaid by Borrower: $XXX.XX xxpaid by borrower: $XX.XX xxpaid by Borrower: $XX.XX XXXX xxpaid by Borrower: $XXX.XX xxpaid by borrower: $XX.XX"<br> \* Missing or error on the xxrate lock agreement is missing from the loan file." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1174.40 | 10/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $576.62 | 7.850% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Mobile Home | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 11/26/2008 | $37643.33 | Not Applicable | 5.090% | $208.49 | 02/01/2009 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are two junior civil judgments against the borrower xx., which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $X,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $300.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $208.49 with an interest rate of 5.090%. The current UPB reflected as per the payment history is $22,205.25. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $22,205.25.<br> As per the collection comment dated xx/xx/2024, the reason for default was excessive obligations.<br> As per the collection comment dated xx/xx/2024, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2008.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> According to servicing comments dated xx/xx/2024, the subject property was damaged due to the roof. There is no evidence to confirm the exact cost and current status of repairs.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2008. As per the modified term, the new principal balance is $37,643.33. The monthly xxis $208.49 with an interest rate of 5.090% beginning on xx/xx/2009 and a maturity date of xx/xx/2037. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Missing or error on the xx<br> xx<br> xx | xx | 4: Unacceptable | \* Property is xxis not affixed. As per the BPO report, which is located at "xx" the subject property type is a manufactured home. xxendorsement is not attached to the final title policy. The legal description attached to the subject mortgage does not show the VIN or serial number. The affidavit of affixation is not available to confirm whether the mobile home is affixed to a permanent foundation." |  | \* xxloan failed the late fee test, as the fee charged of XX.XXX% exceeds the fee threshold of X.XXX% over by +X.XXX%."<br> \* xxloan is not failing predatory lending laws. It only exceeds the GSE points and fees test: xxfee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* xxreport is missing from the loan documents. Zillow search shows an estimated value at $XXXxxcurrent UPB is $XXK."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxsigned by the borrower xx." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $0.00 | 12/10/2025 | Not Applicable | No | Loss Mitigation | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $455.09 | 10.840% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | xx | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx., a corporation.<br> There is an active junior mortgage against the subject property in favor of xx, a corporation, in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument XXXXXXXX.<br> The annual county taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual city taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $544.08 (xx), which was applied for the due date of xx/xx/2026. The current xxis $457.08 with an interest rate of 8.840%. The current UPB reflected as per the payment history is $22,123.01. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $22,123.01.<br> As per the comment dated xx/xx/2025, the reason for the default is the illness of the borrower's family.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> The foreclosure was initiated in 2016 with the loan. The date of sale was postponed several times, and as per the servicing comment dated xx/xx/2024, the most recent foreclosure sale date was scheduled for xx/xx/2017. Further details not provided.<br> xx, the borrower, xx, Sr., filed bankruptcy under Chapter 7 with the case # xx. xxwas discharged on xx/xx/2022 and terminated on xx/xx/2022.<br> As per the servicing comment dated xx/xx/2024, the borrower xx on a repayment plan.<br>Foreclosure Comments:The foreclosure was initiated in 2016 with the loan. As per servicing comment dated xx/xx/2024, the foreclosure was on hold due to loss mitigation. The date of sale was postponed several times and as per servicing comment dated xx/xx/2024 the most recent foreclosure sale date was scheduled for xx/xx/2017.Further details not provided.<br> xx, the borrower, xx, Sr., filed bankruptcy under Chapter 7 with the case # xx. The case was converted from xxon xx/xx/2022. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $72,800.00. The unsecured portion is $0.00. There is no comment indicating a cramdown. xxwas discharged on xx/xx/2022 and terminated on xx/xx/2022.<br>| This is a conventional fixed-rate mortgage with a xx.09, a rate of interest of 10.840%, and a maturity date of xx/xx/2012. xxper payment history tape data is $457.08, and the rate of interest is 8.840%. There is a difference in xxrate of interest with respect to the note. The notice of extension of maturity date agreement dated xx/xx/2025 is available in the updated title, which shows that the maturity date has been extended till xx/xx/2037. As per the seller's tape data, the loan has been modified. The modification agreement is missing from the loan file. | xx<br> xx<br> xx | xx | 3: Curable |  | \* xxlost note affidavit available in the file located at xxshows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx | \* xxper the note, the loan type is a balloon fixed-rate note. The balloon rider is missing from the loan files."<br> \* xxloan failed the interest rate test, as the interest rate charged of XX.XXX% exceeds the interest rate threshold of XX.XXX% over by +X.XXX%.<br>This loan failed the brokerage/finder fee test due to fees charged of $X,XXX.XX exceeds fee threshold of $XXX.XX over by +$X,XXX.XX.<br> The following fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* xxloan is not failing predatory lending laws. It only exceeds the GSE points and fees test: xxfee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* xxreport is missing from the loan documents. Zillow search shows an estimated value at $XXxxcurrent UPB is $XXK."<br> \* xxmissing or unexecuted (xxsigned by the borrower xx." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | No | Yes | Not Applicable | First |  | $0.00 | $965.64 | 12/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $513.68 | 8.800% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Unavailable |  | Not Applicable |  |  | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 663 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior hospital lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> For xx<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amounts of $XXX.XX and $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> For xx<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amounts of $XX.XX and $XX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $590.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $513.68 with an interest rate of 8.800%. The current UPB reflected as per the payment history is $43,839.42. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $43,839.42.<br> As per the servicing comments dated xx/xx/2025, the reason for the default is excessive obligations.<br> As per the servicing comments dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> xx<br> xx | xx | 2: Acceptable with xx |  |  | \* xxloan failed the TILA foreclosure rescission finance charge test due to the calculated finance charge of $xx exceeds the disclosed finance charge of $xx by -$XX.XX."<br> \* xxappraisal is missing from the loan document."<br> \* xxinitial XXXX signed by the loan originator is missing from the loan files."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxis missing from the loan file." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1979.99 | 12/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $650.89 | 11.250% | 13 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 03/01/2017 | $47986.10 | Not Applicable | 6.250% | $411.44 | 04/01/2017 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior mortgage against the subject property in favor of xx, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx,XXX.XX.<br> The annual combined taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $601.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $411.44 with an interest rate of 6.250%. The current UPB, reflected as per the payment history, is $24,414.11. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB, reflected as per the payment history, is $24,414.11.<br> The loan was modified on xx/xx/2017.<br> As per tape data, the subject property occupancy is stated as an investment property.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2017. As per the modified term, the new principal balance is $47,986.10. The monthly xxis $411.44 with an interest rate of 6.25% beginning on xx/xx/2017 and a maturity date of xx/xx/2032. There is no deferred balance and principal forgiven amount. | xx | xx | 4: Unacceptable | \* xxis missing (xxpurpose affidavit signed by the borrower xx."<br> \* xxis not active (xxshows subject loan is uninsured." | \* xxmissing or unsigned (xxfinal HUD-X, along with itemization of fee and estimated HUD-X, is missing from the loan documents."<br> \* Loan does not conform to program guidelines (xxtape shows the subject loan is a business purpose loan." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $5408.00 | 12/04/2025 | xx | Unavailable | Dismissal | Chapter 13 | xx | Unavailable | Unavailable | xx | Not Applicable | Unavailable | 7.000% | 360 |  | xx | xx |  | HELOC | Fixed |  | Cash Out | xx | xx | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | 08/01/2021 | $97400.24 | Not Applicable | 7.000% | $1739.29 | 09/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The Xst, Xnd, and Xrd installments of Borough taxes for XXXX were paid in the total amount of $X,XXX.XX on different dates.<br> The Xth installment of Borough taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water charges for XXXX is delinquent in the amount of $XXX.XX and good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,739.29, which was applied for the due date of xx/xx/2025. The current xxis $1,739.29 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $26,434.38. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $26,434.38.<br> As per the tape data, the occupancy of the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2021.<br> As per the review of the updated title report dated xx/xx/2025, the multiple foreclosures have been initiated on the loan. The first foreclosure has been initiated in 2001 with case 2071/2001. The second foreclosure was initiated in 2002 with case 1178/2002 the foreclosure has been cancelled and the release of lis pendens recorded on xx/xx/2002. And the last foreclosure initiated in 2002 with case 5949/2002 which was cancelled on xx/xx/2006 and release of lis pendens recorded on xx/xx/2006. No further details are provided.<br> xx, the borrowers, xx and xx, filed bankruptcy under Chapter 13 with the case #xx. xxwas discharged on xx/xx/2008 and terminated on xx/xx/2009.<br> Foreclosure Comments:As per the review of the updated title report dated xx/xx/2025, the multiple foreclosures have been initiated on the loan. The first foreclosure has been initiated in 2001 with case 2071/2001. The second foreclosure was initiated in 2002 with case 1178/2002 the foreclosure has been cancelled and the release of lis pendens recorded on xx/xx/2002. And the last foreclosure initiated in 2002 with case 5949/2002 which was cancelled on xx/xx/2006 and release of lis pendens recorded on xx/xx/2006. No further details are provided.<br> xx, the borrowers, xx and xx, filed bankruptcy under Chapter 13 with the case #xx. xxwas discharged on xx/xx/2008 and terminated on xx/xx/2009. | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2021. As per the modified term, the new principal balance is $97,400.24. The monthly xxis $1,739.29 with an interest rate of 7.00% beginning on xx/xx/2021 and a maturity date of xx/xx/2027. There is no deferred balance and no principal forgiven amount. | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Unable to run xxsubject loan is a xxfees are not provided in the loan file; therefore, the xxwas not tested." | \* Loan does not conform to program guidelines (xxshows junior lien. The updated title report, xx/xx/XXXX, does not show any lien against the subject property."<br> \* xxlost note affidavit available in the file located at "xx_xxshows that the original note has been misplaced, destroyed or lost. A duplicate copy of the note is available in the loan file located at "xx"." | \* xxis missing from the loan file."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | No | Not Applicable | Second |  | $0.00 | $0.00 | 12/05/2025 | Unavailable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | $6257.01 | 11.600% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Alternative | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 3 Family | xx | xx | Primary | Yes | Yes | No | 661 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Unavailable | 03/20/2014 | $1092580.07 | $679472.59 | 5.500% | $2345.58 | 04/01/2014 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, an Arizona corporation.<br> There is an active real estate tax lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst and Xnd installments of town taxes for XXXX have been paid in the total amount of $X,XXX.XX.<br> The Xth installment of town taxes for XXXX was overpaid in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,737.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,345.58 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $324,636.84. The deferred balance is $679,472.59. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $324,636.84.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the reason for default is the payment dispute.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2014.<br> xx, the borrower xx. xxwas discharged on xx/xx/2024 and terminated on xx/xx/2024.<br> As per the updated title report dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2013; the FC is put on hold because a bankruptcy chapter 13 plan was filed on xx/xx/2018. Further details not provided.<br>BWR1 does not have any employment history.<br> Foreclosure Comments:As per the updated title report dated xx/xx/2025, the foreclosure was initiated on the loan on xx/xx/2013; the FC is put on hold because a bankruptcy chapter 13 plan was filed on xx/xx/2018. Further details not provided.<br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $384,000.00. The unsecured portion is $29,107.00. xxwas filed by the creditor xx, as xxon behalf of and with respect to xx, xx, xx, on 11/02/18, with the secured claim amount of $xx and the arrearage amount of $12,660.79. xxplan was confirmed on xx/xx/2023. xxwas discharged on xx/xx/2024 and terminated on xx/xx/2024. | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2014. As per the modified term, the new principal balance is $1,092,580.07. The monthly xxis $2,345.58 with an interest rate of 5.500% beginning on xx/xx/2014 and a maturity date of xx/xx/2044. There is a deferred balance of $xx and there is no principal forgiven amount. The loan has been modified twice since origination. | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxshows subject loan is uninsured." |  | \* xxsigned by loan originator is missing from the loan documents."<br> \* Missing or error on the xxlock agreement is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $3409.16 | 12/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $1891.20 | $2022.44 | 10.990% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 01/01/2024 | $273794.49 | $115166.79 | 6.940% | $1810.54 | 02/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There are X active municipal liens against the subject property in favor of xx, Maryland, which were recorded on xx/xx/XXXX in the total amount of $XXX.XX. <br> There are X UCC financial statements against the borrower xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX.<br> There are X civil judgments against the borrower xx and xx, which were recorded on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX, in the total amount of $X,XXX.XX.<br> There is a credit card judgment against the borrower xx., which was recorded on xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,317.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,810.54 with an interest rate of 6.940%. The current UPB reflected as per the payment history is $268,225.16. The subject loan was modified in xx/xx/2024 and the deferred balance is in the amount of $115,166.79. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $268,225.16.<br> As per the comment dated xx/xx/2024, the reason for default is excessive obligation.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2024. As per the modified term, the new principal balance is $xx and the deferred amount is $115,166.79. The monthly xxis $1,810.54 with an interest rate of 6.940% beginning on xx/xx/2024 and a maturity date of xx/xx/2054. There is no principal forgiven amount. | xx<br> xx<br> xx<br> Missing or error on the xx<br> xx<br> xx | xx | 3: Curable |  | \* xxmissing or unsigned (xxfinal HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents." | \* xxfinal truth in lending is missing from the loan file."<br> \* xxappraisal report is missing from the loan file. Zillow search shows an estimated value at $XXXxxcurrent UPB is $XXXK."<br> \* Missing credit report (xxcredit report is missing from the loan file."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxright of rescission is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3353.70 | 11/28/2025 | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1905.62 | 9.635% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 46.929% | First | Short Form Policy | Not Applicable | xx | 02/27/2025 | $255734.18 | Not Applicable | 6.125% | $1586.24 | 02/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There is an active junior mortgage against the subject property in favor of MERS as nominee for xx. in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,348.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,586.24 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $253,737.31.<br>| Collections Comments:According to the servicing comments, the current status of the loan is foreclosure.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $253,737.31.<br> As per the servicing comment dated xx/xx/2025, the reason for default is unemployment.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2025.<br> The foreclosure was initiated on the loan. As per the servicing comment dated xx/xx/2025, the foreclosure has been put on hold due to loss mitigation. Further details not provided.<br> No post-close bankruptcy record has been found.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2025, the repayment plan was approved.<br>Foreclosure Comments:The foreclosure was initiated on the loan. As per servicing comment dated xx/xx/2025, the foreclosure has been put on hold due to loss mitigation. Further details not provided.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, d/b/a xx, as a servicer and authorized agent of xx, on xx/xx/2025. As per the modified term, the new principal balance is $255,734.18. The monthly xxis 1586.24 with an interest rate of 6.125% beginning on xx/xx/2025 and a maturity date of xx/xx/2053. There is no deferred balance and principal forgiven amount. The loan has been modified first time since origination. | Missing or error on the xx<br> xx | xx | 2: Acceptable with xx |  |  | \* xxreport is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/02/2025 | Unavailable | Not Applicable | Unavailable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | $1140.94 | 5.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Streamline Refinance | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | 01/01/2014 | $225359.01 | $67607.70 | 4.875% | $747.65 | 02/01/2014 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, FSB.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The water/sewer charges for XXXX are delinquent in the amount of $xx which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,007.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $747.65 with an interest rate of 4.875%. The current UPB is $126,451.86. The deferred balance is $67,607.70. | Collections Comments:According to the servicing comments, the current status of the loan is bankruptcy.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $126,451.86.<br> As per the collection comment dated xx/xx/2024, the borrower's income was impacted by Covid-19.<br> As per the collection comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the collection comment dated xx/xx/2024, the reason for default is illness of the borrower.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2014.<br> As per the notice of lis pendens, which is located at "xx" the foreclosure was initiated on the loan in 2010, and the complaint was filed on xx/xx/2010 by xxf/k/a xx, xxdetails not provided.<br> xx, the borrower, xx. Washington, filed bankruptcy under Chapter 7 with the case #xx. xxcase was converted from chapter 7 to chapter 13 on xx/xx/2024. xxis still active.<br> Foreclosure Comments:As per the notice of lis pendens, which is located at "xx" the foreclosure was initiated on the loan in 2010, and the complaint was filed on xx/xx/2010 by xxf/k/a xx, xxdetails not provided. <br>xx, the borrower, xx. Washington, filed bankruptcy under Chapter 7 with the case #xx. xxcase was converted from chapter 7 to chapter 13 on xx/xx/2024. xxvoluntary petition does not reflect the subject collateral value and the subject claim details. xxwas filed by the creditor xxon xx/xx/2025, with the secured claim amount of $xx and the arrearage amount of $611.27. The debtor shall pay to the trustee $3,000.00 for 4 months and $1,525.00 for 56 months. The chapter 13 plan filed on xx/xx/2024 was confirmed on xx/xx/2025. There is no comment indicating a cramdown. xxis still active. | The modification agreement was made between the borrower, xx. Washington, and the lender, xx, on xx/xx/2014. As per the modified term, the new principal balance is $225,359.01. The monthly xxis $747.65 with an interest rate of 4.875% beginning on xx/xx/2014 and a maturity date of xx/xx/2054. The interest bearing amount is $xx the deferred balance of $xx and no principal forgiven amount. The loan has been modified once since origination. | Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject loan is uninsured."<br> \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents." |  | \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeds the disclosed finance charge of $xx by -$X,XXX.XX. The loan failed the TILA foreclosure rescission finance charge test due to the calculated finance charge of $xx exceeds the disclosed finance charge of $xx by -$X,XXX.XX. The loan failed the xxtest due to calculated APR of X.XXX% exceeds the APR threshold of X.XXX% by - X.XXX%."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $728.05 | 11/12/2025 | xx | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $343.67 | 9.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | xx | 10/01/2017 | $37010.82 | Not Applicable | 5.500% | $194.87 | 11/01/2017 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with book/page #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $234.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $194.87 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $33,161.03. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $33,161.03.<br> As per the servicing comment dated xx/xx/2025, the reason for default is payment dispute.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2017.<br> The foreclosure was initiated on the loan in 2022, and the lis pendens located at Ln#xx. As per the notice of default located at Ln#xx, the foreclosure sale was scheduled for xx/xx/2022. Further details are not available.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:The foreclosure was initiated on the loan in 2022, and the lis pendens located at Ln#xx. As per the notice of default located at Ln#xx, the foreclosure sale was scheduled for xx/xx/2022. Further details are not provided.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, as xxon behalf of and with respect to xxon xx/xx/2017, and the new modified unpaid principal balance is $37,010.82. The modified monthly xxis $194.87 with an interest rate of 5.50% starting on xx/xx/2017, which will be changed in 2 steps until the new maturity date of xx/xx/2055. The rate will change in 2 steps, which end with 5.50%. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | xx<br> xx<br> xx<br> Missing or error on the xx<br> xx<br> xx | xx | 4: Unacceptable | \* Release of mortgage (xxupdated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX. As per the partial release of the subject mortgage located at Ln#xx, recorded on xx/xx/XXXX, the subject mortgage has been partially paid, and a portion of the property has been released. Further details not provided." | \* xxmissing or unsigned (xxfinal HUD-X, along with itemization of fee and estimated HUD-X, is missing from the loan documents." | \* xxis missing from the loan documents."<br> \* xxreport is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXK."<br> \* Missing credit report (xxreport is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxis missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | No | Not Applicable | Second |  | $0.00 | $473.72 | 11/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $429.03 | 9.000% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | No | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | 8.625% | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with instrument # xx.<br> There are X civil judgments against the borrower xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX, in the total amount of $XX,XXX.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX are due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $486.50 (xx), which was applied for the due date of xx/xx/2025. The current xxis $331.79 with an interest rate of 9.000%. The current UPB reflected as per the payment history is $41,059.70. | Collections Comments:As per the review of the servicing comments, the current status of the loan is collection.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $41,059.70.<br> As per the servicing comment dated xx/xx/2025, the reason for default is excessive obligation.<br> As per the servicing comment dated xx/xx/2025, the property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/2025, the loan modification is effective on xx/xx/2026.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage originated on xx/xx/2008 with a xx.03, a rate of interest of 9.83%, and a maturity date of xx/xx/2023. The current xxper the latest payment history as of xx/xx/2025 is $331.79, and the rate of interest is 9.000%. The current UPB reflected as per the payment history is $41,059.70. As per the servicing comment dated xx/xx/2025, the loan modification is effective on xx/xx/2026. As per the modified term, the new principal balance is $47,668.39. The monthly interest rate of 8.625% begins on xx/xx/2026, and the maturity date is xx/xx/2055. The modification agreement is missing from the loan file. | xx<br> xx<br> xx | xx | 3: Curable |  | \* xxmissing or unsigned (xxfinal HUD-X, the estimated HUD-X, is missing from the loan documents." | \* xxreport is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXK."<br> \* xxmissing or unexecuted (xxis missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2354.13 | 12/04/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | $933.00 | 8.900% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | 11/01/2023 | $131086.47 | Not Applicable | 4.610% | $598.62 | 12/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, INC.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,169.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $773.61 with an interest rate of 6.610%. The current UPB reflected as per the payment history is $128,908.34. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $128,908.34.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2023.<br> No foreclosure activity has been found.<br> xx, the borrower, xx. Stevenson, filed bankruptcy under Chapter 13 with the case #xx. xxwas discharged on xx/xx/2024 and terminated on xx/xx/2024.<br> Foreclosure Comments:Not Applicable<br> xx, the borrower, xx. Stevenson, filed bankruptcy under Chapter 13 with the case #xx. xxamended voluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $177,014.00. The unsecured portion is $0.00. xxwas filed by the creditor, xx, on xx/xx/2017, with the secured claim amount of $xx and the arrearage amount of $13,878.47. xxplan filed on xx/xx/2017 was confirmed on xx/xx/2017. The borrower xx. There is no comment indicating a cramdown. xxwas discharged on xx/xx/2024 and terminated on xx/xx/2024. | The step modification agreement was signed between the borrower, xx, and lender, xx, with an effective date of xx/xx/2023, and the new modified unpaid principal balance is $131,086.47. The modified monthly xx.62 with an interest rate of 4.610% starting on xx/xx/2023, which will be changed in 4 steps until the new maturity date of xx/xx/2063. The rate will change in 4 steps, which end with 7.610%. There is no deferred balance and principal forgiven amount. | xx<br> xx<br> xx<br> xx<br> Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxmissing or unsigned (xxfinal HUD-X, along with itemization of fee and estimated HUD-X, is missing from the loan documents." | \* xxis missing from the loan file."<br> \* xxappraisal report is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* Missing credit report (xxcredit report is missing from the loan file."<br> \* xxsigned by loan originator is missing from the loan files."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $2180.55 | 10/31/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Unavailable | No | xx | Not Applicable | $1694.82 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 622 | Not Applicable | 48.873% | First | Final policy | Not Applicable | Not Applicable | 10/08/2013 | $242575.25 | $25338.27 | 2.000% | $370.76 | 12/01/2013 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are X junior mortgages against the subject property. The first junior mortgage against the subject property in favor of xx., in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument # xx, and the second junior mortgage against the subject property in favor of xx, a Florida corporation, and xx., a Florida corporation, in the amount of $xx originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument # xx.<br> There is an active xxlien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,204.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $699.03 with an interest rate of 7.000%. The current UPB, reflected as per the payment history, is $100,766.49. As per tape data, the deferred balance is $25,338.27. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB, reflected as per the payment history, is $100,766.49.<br> As per the comment dated xx/xx/2025, the reason for default is reduction in income.<br> No foreclosure activity has been found.<br> xx, the borrower xx. The bankruptcy was dismissed on xx/xx/2013.<br> The loan was modified on xx/xx/2013.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> xx, the borrower xx. The voluntary petition was filed on xx/xx/2013. The bankruptcy was dismissed on xx/xx/2013. | The step modification agreement was made between the borrower, xx, and lender, xx, with an effective date of xx/xx/2013, and the unpaid principal balance is $242,575.25, out of which $94,803.80 has been forgiven. The modified UPB is $147,771.45, out of which $25,338.27 has been deferred. The interest-bearing amount is $122,433.18. The modified monthly xx.76 with an interest rate of 2.000% starting on xx/xx/2013, which will be changed in 6 steps until the new maturity date of xx/xx/2053. The rate will change in 6 steps, which end with 7.000%. | Missing or error on the xx | xx | 3: Curable |  | \* xxlost note affidavit available in the file located at "xx - xxshows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at "xx."" | \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2013.80 | 12/04/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $346.80 | 15.492% | 120 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | xx | 01/01/2025 | $19553.98 | Not Applicable | 6.750% | $369.48 | 01/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx xx<br> There is an active junior mortgage against the subject property in favor of xxamount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument #xx.<br> The combined annual taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual school taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $614.32 (xx), which was applied for the due date of xx/xx/2025. The current xxis $369.48 with an interest rate of 6.750%. The current UPB is $16,309.74. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $16,309.74.<br> As per the comment dated xx/xx/2024, the reason for default is unemployment.<br> The loan was modified on xx/xx/2025.<br> As per the comment dated xx/xx/2024, the borrower's income has been impacted due to the Covid-19.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> xx, the borrower xx. The bankruptcy was discharged on xx/xx/2025 and terminated on xx/xx/2025.<br> Foreclosure Comments:Not Applicable<br> xx, the borrower, xx, filed for bankruptcy under Chapter 7 with the case #xx. As per voluntary petition schedule xx, the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $28,880.20. The unsecured portion is $0.00. The bankruptcy was discharged on xx/xx/2025 and terminated on xx/xx/2025. | The fixed-rate modification agreement was signed between the borrowers, xx, aka xx, and xx, and the lender, MERS as nominee for xx, with an effective date of xx/xx/2025, and the new modified unpaid principal balance is $19,553.98. The modified monthly xxis $369.48 with an interest rate of 6.750% beginning on xx/xx/2025 and a maturity date of xx/xx/2030. There are no deferred balance and principal forgiven balance. | xx<br> xx<br> xx<br> Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* Property is xxis not affixed. As per the appraisal report, which is located at (xx, the subject property type is a manufactured home. xxendorsement is not attached to the final title policy. The legal description attached to the subject mortgage does not show the VIN or serial number. The affidavit of affixation is not available to confirm whether the mobile home is affixed to a permanent foundation." | \* xxmissing or unsigned (xxfinal HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents." | \* Appraisal dated after closing (xxdate after closing date."<br> \* xxfinal TIL is missing from the loan documents."<br> \* Missing credit report (xxcredit report is missing from the loan document."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxis missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $6396.80 | 12/08/2025 | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3049.70 | 6.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Full Documentation | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 689 | 624 | Unavailable | First | Final policy | Not Applicable | Not Applicable | 04/01/2017 | $463440.06 | $93630.06 | 6.750% | $2739.13 | 04/01/2017 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx., a xxcorporation.<br> There is an active prior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> There is a junior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx, a xxnot-for-profit corporation.<br> There is an active sidewalk lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst and Xnd installments of borough taxes for XXXX were paid.<br> The Xrd and Xth installments of borough taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,451.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,739.13 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $275,461.14 and the deferred balance is $93,630.06. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $275,461.14.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2017.<br> According to the updated title report dated xx/xx/2025, the FC was initiated in 2016, and the notice of lis pendens, located at Ln#xx, was filed on xx/xx/2016. The stipulation to cancel the lis pendens is located at Ln #xx, Page #xx, and states that the lis pendens was canceled on xx/xx/2018.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:According to the updated title report dated xx/xx/2025, the foreclosure was initiated on this loan in 2010 and 2016, and the notice of lis pendens, located at Ln#xx. xxdetails are not provided. xxwas reinitiated in 2016, and the notice of lis pendens, located at Ln#xx. The stipulation to cancel the lis pendens is located at Ln#xx, and states that the lis pendens was canceled on xx/xx/2018.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx and xx, and the lender, 1st xx, a xxcorporation, on xx/xx/2017. As per the modified term, the new principal balance is $xx out of which $xx is the interest-bearing amount, and the deferred amount is $93,630.06. The monthly xxis $2,739.13 with an interest rate of 6.750% beginning on xx/xx/2017 and a maturity date of xx/xx/2038. There is no deferred balance and no principal forgiven amount. | xx<br> Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject loan is uninsured."<br> \* MI, xxmissing and required (xxis missing from the loan file." | \* xxmissing or unsigned (xxfinal HUD-X is missing from the loan documents. CE tested with the itemization of fees." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2283.68 | 11/10/2025 | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $525.27 | 6.870% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 609 | Not Applicable | 47.441% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $737.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $525.27 with an interest rate of 6.87%. The current UPB reflected as per the payment history is $38,262.83. | Collections Comments:According to the servicing comments, the current status of the loan is collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $38,262.83.<br> As per the comment dated xx/xx/2025, the reason for default is marital problems.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2024, the subject property needs repairs. The nature of the damage is not available. Unable to determine the estimated cost of repairs and the current status of repairs. Subsequent comments do not show damage.<br> As per the comment dated xx/xx/2024, the loan was active in foreclosure, and the sale was scheduled for xx/xx/2017. As per the comment dated xx/xx/2024, the foreclosure was closed.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found. <br> Foreclosure Comments:As per the comment dated xx/xx/2024, the loan was active in foreclosure, and the sale was scheduled for xx/xx/2017. As per the comment dated xx/xx/2024, the foreclosure was closed. <br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* xxfailed the TILA foreclosure rescission finance charge test. Finance charge disclosed on xx,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XX.XX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2917.68 | 11/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1510.28 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a UCC finance statement against the subject property in favor of xx, which was recorded on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,516.26 (xx), which was applied for the due date of xx/xx/2025. The current xxis $822.08 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $163,898.59 and the deferred amount is $26,289.28. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $163,898.59, and the deferred amount is $26,289.28.<br> Unable to determine the reason for the default.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the loan was modified.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage originated on xx/xx/2007 with a xx,510.28, a rate of interest of 6.87500%, and a maturity date of xx/xx/2037. The current xx, as per the latest payment history as of xx/xx/2025, is $822.08, and the rate of interest is 4.000%. There is a difference in xxrate of interest with respect to the note. The tape data shows the maturity date has been extended to xx/xx/2053. The modification agreement is missing from the loan file. | xx<br> xx<br> xx<br> Missing or error on the xx<br> Note<br> xx | xx | 4: Unacceptable | \* Note is missing or unexecuted (xxoriginal note is missing. The lost note affidavit is not available in the loan file. The loan was modified, and it is missing from the loan file."<br> \* xxis not active (xxtape shows the subject loan is not insured." | \* xxmissing or unsigned (xxfinal HUD-X, along with itemization of fees and estimated HUD-X, is missing from the loan documents." | \* xxis missing from the loan documents."<br> \* xxreport is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* xxapplication signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $2577.10 | 11/29/2025 | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | $748.39 | 8.876% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Unavailable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | 02/26/2014 | $93116.49 | Not Applicable | 8.870% | $704.27 | 05/01/2014 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, FSB.<br> There are X active tax mortgages against the subject property. The first tax mortgage was originated on xx/xx/XXXX in favor of xx., and recorded on xx/xx/XXXX with instrument #xx. The second tax mortgage was originated on xx/xx/XXXX in favor of xx., and recorded on xx/xx/XXXX with instrument # xx. The amount of the mortgage is not available on both mortgage documents.<br> The annual combined taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,095.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $704.27 with an interest rate of 8.87%. The current UPB reflected as per the payment history is $81,825.28, and the deferred balance is $267.19.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $81,825.28, and the deferred balance is $267.19.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the RFD is the illness of the borrower's family member.<br> The loan was modified on xx/xx/2014.<br> As per the tape data, the foreclosure was initiated on the loan on xx/xx/2020. As per the comment dated xx/xx/2024, the foreclosure is placed on hold due to bankruptcy. As per the comment dated xx/xx/2024, foreclosure closed. Further details are not provided.<br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case #xx. xxwas dismissed on xx/xx/2025 and terminated on xx/xx/2025.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:As per the tape data, the foreclosure was initiated on the loan on xx/xx/2020. As per the comment dated xx/xx/2024, the foreclosure is placed on hold due to bankruptcy. As per the comment dated xx/xx/2024, foreclosure closed. Further details are not provided.<br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $65,633.00. The unsecured portion is $29,394.42. xxwas filed by the creditor, xx, on xx/xx/2020, with the secured claim amount of $xx and the amount of arrearage is $11,392.74. The chapter 13 plan filed on xx/xx/2021 was confirmed on xx/xx/2021. The debtor shall pay to the trustee in the amount of $1,350.00 per month for 36 months. xxwas dismissed on xx/xx/2025 and terminated on xx/xx/2025.<br>| The step modification agreement was made between the borrowers, xx. and xx, and the lender, xx, with an effective date of xx/xx/2014, and the new modified unpaid principal balance is $93,116.49. The modified monthly xx.76 with an interest rate of 6.09% starting on xx/xx/2014, which will be changed in 4 steps until the new maturity date of xx/xx/2051. The rate will change in 4 steps, which end with 8.87%. There is no deferred balance and principal forgiven amount. | xx<br> xx<br> xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxtape shows the subject loan is not insured." | \* xxmissing or unsigned (xx, along with estimated HUD-X and fee itemization, is missing from the loan documents." | \* Missing credit report (xxreport is missing from the loan file."<br> \* xxapplication is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $5817.27 | 12/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $2080.00 | $2980.35 | 6.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 650 | 677 | 79.084% | First | Final policy | Not Applicable | Not Applicable | 03/01/2010 | $423927.27 | Not Applicable | 4.875% | $1924.63 | 03/01/2010 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd and Xth installments of combined taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,387.45 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,924.63 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $309,923.82. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $309,923.82.<br> As per the comment dated xx/xx/2025, the reason for default is reduction in income.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2010.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement was signed between the borrowers, xx and xx, and the lender, xx, on xx/xx/2010, and the new modified unpaid principal balance is $423,927.27. The modified monthly xx,305.28 with an interest rate of 2.000% starting on xx/xx/2010, which will be changed in 4 steps until the new maturity date of xx/xx/2037. The rate will change in 4 steps, which end with 4.875%. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | xx<br> xx<br> Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxmissing or unsigned (xxfinal HUD-X is missing. Consider the estimated HUD to run the CE." | \* xxappraisal report is missing from the loan file. Zillow search shows an estimated amount of $XXXK; the current UPB is $XXXK."<br> \* xxis missing from the loan file."<br> \* Missing or error on the xxrate lock agreement is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | No | Yes | Not Applicable | Other |  | $0.00 | $9696.94 | 12/04/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $2410.48 | 5.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, N.A.<br> There is an active code enforcement lien against the subject property in favor of xx, xx, xx, which was recorded on xx/xx/XXXX. The code enforcement lien against the subject property, which was renewed in favor of the xxon xx/xx/XXXX and which was re-recorded on xx/xx/XXXX, is in the amount of $XXX,XXX.XX.<br> There is a state tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The first installment of county taxes for XXXX-XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX-XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,351.42 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,386.59 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $233,085.66. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $233,085.66.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> xx, the borrower, xx, filed bankruptcy under Chapter 7 with the case # xx. Schedules are not included in voluntary petitions. There is no comment indicating a cramdown. xxwas dismissed on xx/xx/2016 and terminated on xx/xx/2016.<br>Foreclosure Comments:Not Applicable<br> xx, the borrower, xx, filed bankruptcy under Chapter 7 with the case # xx. Schedules are not included in voluntary petitions. xxwas dismissed on xx/xx/2016 and terminated on xx/xx/2016. | Not Applicable | Missing or error on the xx<br> xx | xx | 2: Acceptable with xx |  |  | \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeds the disclosed finance charge of $xx by -$XX,XXX.XX. The loan failed the xxtest due to the APR calculated at X.XXX%, which exceeds the disclosed APR of X.XXX% by X.XXX%."<br> \* xxreport is missing from the loan documents. Zillow search shows an estimated value of $X.XM. Current UPB is $XXXK."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | No | Yes | Not Applicable | First |  | $0.00 | $4116.56 | 10/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2172.24 | 4.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Investor | No | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first installment of XXXX taxes for the county has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of XXXX taxes for the county is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,824.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,172.24 with an interest rate of 4.625%. The current UPB reflected as per the payment history is $397,264.56. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $397,264.56.<br> Unable to determine the reason for the default.<br> As per the collection comment dated xx/xx/2024, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx | xx | 4: Unacceptable | \* xxis missing (xxpurpose affidavit signed by the borrower xx."<br> \* Guideline is missing (xxloan program guideline is missing from the loan documents."<br> \* xxis missing (xxlease agreement is missing from the loan documents."<br> \* xxapproval is missing from the loan documents." | \* xxmissing or unsigned (xxis missing from the loan documents." | \* xxmissing; loan has escrows (xxescrow account disclosure is missing from the loan documents."<br> \* xxreport is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB $XXXK."<br> \* Missing credit report (xxreport is missing from loan documents."<br> \* Missing flood cert (xxinsurance certificate is missing from the loan documents."<br> \* xxapplication is missing from the loan documents."<br> \* Missing proof of hazard insurance (xxinsurance policy is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $3811.04 | 11/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1862.34 | 7.725% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | No | Unavailable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | 02/01/2021 | $334194.25 | Not Applicable | 7.125% | $2280.04 | 03/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are two civil judgments against the borrower xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $XX,XXX.XX.<br> The first and second installments of city taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,647.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,280.04 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $314,516.73. | Collections Comments:According to the servicing comments, the current status of the loan is collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $314,516.73.<br> As per the servicing comment dated xx/xx/2024, the property is owner-occupied.<br> As per the servicing comment dated xx/xx/2025, the reason for default is excessive obligation.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2021.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, xx, FSB, trustee, on xx/xx/2021. As per the modified term, the new principal balance is $334,194.25. The monthly xxis $2,280.04 with an interest rate of 7.125% beginning on xx/xx/2021 and a maturity date of xx/xx/2049. There are no deferred balance and principal forgiven amount. | xx<br> xx<br> xx<br> xx<br> Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* xxis not active (xxtape shows the subject loan is not insured."<br> \* The property is located in a state that has unlimited assignee liability for xx, which has unlimited assignee liability for high state costs, and the final HUD-X is missing to test the compliance." | \* xxmissing or unsigned (xxfinal HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents." | \* xxfinal truth in lending is missing from the loan documents."<br> \* xxreport is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* Missing credit report (xxcredit report is missing from the loan file."<br> \* xxinitial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1883.05 | 11/27/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Unavailable | No | xx | Not Applicable | $1365.63 | 12.490% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | 04/01/2019 | $185753.66 | Not Applicable | 7.000% | $1157.93 | 05/01/2019 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior civil judgment against the borrower xx and xx, which was recorded on xx/xx/XXXX in the amount of $XXX,XXX.XX.<br> There is a credit card judgment against the borrower xx, N.A., which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,317.09 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,157.93 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $178,296.76. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $178,296.76.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the modification agreement, the loan was modified on xx/xx/2019.<br> No foreclosure activity has been found.<br> xx, the borrowers, xx and xx, filed bankruptcy under Chapter 13 with the case #xx. xxwas discharged on xx/xx/2022 and terminated on xx/xx/2022.<br> Foreclosure Comments:Not Applicable<br> xx, the borrowers, xx and xx, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $180,000.00. The unsecured portion is $45,000.00. xxwas filed by the creditor, xx, on xx/xx/2016, with the secured claim amount of $xx and the arrearage amount of $44,131.73. The amended chapter 13 plan filed on xx/xx/2016 was confirmed on xx/xx/2016. The borrower xx,340.00 for 1 month, $1,700.00 for 7 months, and $2,587.00 for 25 months to the trustee under the Chapter 13 plan. There is no comment indicating a cramdown. xxwas discharged on xx/xx/2022 and terminated on xx/xx/2022. | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2019. As per the modified term, the new principal balance is $185,753.66. The monthly xxis $1,157.93 with an interest rate of 7.000% beginning on xx/xx/2019 and a maturity date of xx/xx/2058. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. This modification document is not signed by the borrower xx. | xx<br> xx<br> xx<br> Missing or error on the xx<br> Note<br> xx<br> xx | xx | 4: Unacceptable | \* Guideline is missing (xxsubject is a manually underwritten loan. Reaching out to the seller for the guidelines."<br> \* xxis not active (xxshows the subject loan is uninsured." | \* xxmissing or unsigned (xxfinal HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents."<br> \* Note is missing or unexecuted (xxoriginal note is missing. The lost note affidavit is not available in the loan file. The loan was modified on xx/xx/XXXX." | \* xxfinal truth in lending is missing from the loan documents."<br> \* xxsubject loan was closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated value at $XXXK. Current UPB is $XXXK."<br> \* Missing credit report (xxcredit report is missing from the loan file."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxright of rescission is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $4543.36 | 12/09/2025 | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $830.53 | 6.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | $163536.87 | Not Applicable | 8.875% | $1301.90 | 10/01/2025 | Unavailable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are four active water/sewer liens against the subject property in favor of the xx, a municipal corporation existing under the laws of the xx, which were recorded on different dates in the total amount of $X,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,925.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,301.90 with an interest rate of 8.875%. The current UPB reflected as per the payment history is $163,257.59. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $163,257.59.<br> As per the comment dated xx/xx/2024, the reason for default is illness of the borrower.<br> As per the comment dated xx/xx/2025, the subject property is vacant.<br> As per the tape, the loan was modified on xx/xx/2025.<br> No details pertaining to the damage to the subject property have been observed. <br> As per the collection comment, the foreclosure was initiated on the loan. Unable to determine the complaint filed date. As per the comment dated xx/xx/2025, the foreclosure was placed on hold due to modification. No further details have been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:As per the collection comment, the foreclosure was initiated on the loan. Unable to determine the complaint filed date. As per the comment dated xx/xx/2025, the foreclosure was placed on hold due to modification. No further details have been found. <br> Bankruptcy Comments:Not Applicable | This is an FHA fixed-rate mortgage with a xx.53, a rate of interest of 6.50000%, and a maturity date of xx/xx/2033. xxper PH is $1,301.90, and the rate of interest is 8.875%. There is a difference in xxrate of interest with respect to the note. As per the tape, the loan was modified on xx/xx/2025. The modification agreement is missing from the loan file. | xx | xx | 2: Acceptable with xx |  |  | \* Missing credit report (xxreport is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1339.43 | 11/14/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | $1644.43 | 9.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Unavailable |  | Not Applicable |  |  | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 08/01/2020 | $176375.76 | Not Applicable | 6.290% | $1186.25 | 09/01/2020 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, in the amount of $xx with xx., a California corporation.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,867.20 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,186.25 with an interest rate of 6.290%. The current UPB reflected as per the payment history is $152,315.37. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $152,315.37.<br> As per the comment dated xx/xx/2025, the reason for the default is excessive obligations.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the comments dated xx/xx/2024, the subject property was damaged, and the borrower xx on xx/xx/2024. No comment indicating the completion of repairs has been found. xxdo not show damages.<br> As per the comment on xx/xx/2024, there is a payment dispute. Further details are not provided.<br> The loan was modified on xx/xx/2020.<br> No foreclosure activity has been found.<br> xx, the borrower xx. xxwas dismissed on xx/xx/2016 and terminated on xx/xx/2016.<br> Foreclosure Comments:Not Applicable<br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case #xx. The schedules of the voluntary petition were not filed by the borrower. xxwas not filed by the creditor. xxwas dismissed on xx/xx/2016 and terminated on xx/xx/2016. | The step modification agreement was made between the borrowers, xx. xx, and lender xx, a xx, xx, FSB, Trustee, on xx/xx/2020. As per the modified term, the new modified unpaid principal balance is $176,375.76. The monthly xxis $1,099.91 with an interest rate of 5.290% starting on xx/xx/2020, which will be changed in 05 steps until the new maturity date of xx/xx/2043. The rate will change in 05 steps, which end with 9.312%. The borrower xx,186.25 and an interest rate of 6.290%. There is no deferred balance and no principal forgiven amount. | xx<br> xx<br> xx<br> xx | xx | 3: Curable |  | \* xxmissing or unsigned (xxfinal HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents." | \* xxfinal TIL document is missing from the loan file."<br> \* xxappraisal report is missing from the loan documents. Zillow shows the estimated value at $XXX,XXX & the current UPB is $XXXK."<br> \* Missing credit report (xxcredit report is missing from the loan document." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $7489.64 | 12/05/2025 | Unavailable | No | Unavailable | Chapter 13 | xx | Unavailable | No | xx | $1019.33 | $1529.86 | 5.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 49.703% | First | Short Form Policy | Not Applicable | Not Applicable | 03/01/2018 | $268943.97 | Not Applicable | 2.000% | $814.43 | 04/01/2018 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is one junior mortgage against the subject property, which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx, xx<br> There is a certificate of sale for an unpaid sewer charge for the year XXXX found against the subject property in favor of "xx," which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> There are two child support liens against the borrower xx and Gonzales, xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $X,XXX.XX.<br> There are two prior mechanics liens against the borrower xx. Fedele, which were recorded on xx/xx/XXXX in the total amount of $XX,XXX.XX.<br> The Xst, Xnd, Xrd, and Xth installments of city taxes for XXXX are paid in the total amount of $X,XXX.XX on different dates.<br> The Xst and Xnd installments of city taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of utilities/mud taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of utility/mud charges for XXXX have been delinquent in the total amount of $X,XXX.XX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,613.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,681.21 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $248,011.03. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $248,011.03.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the comment dated xx/xx/2024, the reason for default is service transfer.<br> As per the comment dated xx/xx/2024, the subject property is tenant occupied. <br> According to the title report dated xx/xx/2025, the foreclosure was initiated in 2016. The lis pendens was located at Ln#xx, which was filed on xx/xx/2016 and recorded on xx/xx/2016. <br> The borrower, xx, filed bankruptcy under Chapter 13 with the case # xx. xxwas discharged on xx/xx/2022. <br>Foreclosure Comments:According to the title report dated xx/xx/2025, the foreclosure was initiated in 2016. The lis pendens was located at Ln#xx, which was filed on xx/xx/2016 and recorded on xx/xx/2016. Further details not provided.<br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case # xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $210,000.00. The unsecured portion is $42,746.00. xxwas filed by the creditor, xx, on xx/xx/2017, with the secured claim amount of $xx and the arrearage amount of $51,827.19. The chapter 13 plan filed on xx/xx/2017 was confirmed on xx/xx/2017. The debtor shall pay $200.00 for 60 months. xxwas discharged on xx/xx/2022. | xxmodification agreement was made between the borrower xx on xx/xx/2018. As per the modified term, the new principal balance is $268,943.97. The monthly xxis $814.43 with an interest rate of 2.00% beginning on xx/xx/2023 and a maturity date of xx/xx/2058. As per mod terms, the interest will be charged at a fixed rate for 60 months until March 2023. After xx/xx/2023, the interest rate will be changed as per the original ARM note. There are no deferred balances or principal forgiven amounts. | xx<br> xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxshows the subject loan is uninsured." |  | \* xxloan failed the xxtest as the final TIL is missing from the loan documents."<br> \* xxis missing from the loan documents."<br> \* xxapplication is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $6325.49 | 12/02/2025 | xx | No | Unavailable | Chapter 13 | xx | Unavailable | No | xx | Not Applicable | $1967.22 | 6.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 672 | Not Applicable | 45.741% | First | Final policy | Not Applicable | Not Applicable | 05/01/2025 | $238687.38 | Not Applicable | 6.000% | $1204.48 | 05/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.A.<br> There are two state tax warrants (warrant # xx. of Revenue, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $XX,XXX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,951.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,204.48 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $199,268.80. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $199,268.80.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2024, the RFD is curtailment of income.<br> As per the servicing comment dated xx/xx/2024, the borrower's income was impacted due to Covid-19.<br> As per the comment dated xx/xx/2024, there is a payment dispute. Further details not provided.<br> As per the UT dated xx/xx/2025, the FC was initiated in 2017. xxwas initiated by filing the notice of lis pendens located at "Ln#xx. As per the release of lis pendens located at "Ln#xx," the foreclosure was canceled on xx/xx/2021.<br> xx, the borrower, xx. Heyer, filed bankruptcy under chapter 13 with the case #xx. xxwas discharged on xx/xx/2022 and terminated on xx/xx/2022.<br> The loan was modified on xx/xx/2025.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 4 years on the job as a medical/director with xx.<br>Foreclosure Comments:As per the UT dated xx/xx/2025, the FC was initiated in 2017. xxwas initiated by filing the notice of lis pendens located at "Ln#xx. As per the release of lis pendens located at "Ln#xx," the foreclosure was canceled on xx/xx/2021.<br>xx, the borrower, xx. Heyer, filed bankruptcy under chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $175,352.00. The unsecured portion is $0.00. xxwas filed by the creditor, xx, xx, not in its individual capacity, solely as trustee for xx, on xx/xx/2018 with the secured claim amount of $xx and the arrearage amount of $96,852.77. The chapter 13 plan filed on xx/xx/2018 was confirmed on xx/xx/2021. There is no comment indicating a cramdown. xxwas discharged on xx/xx/2022 and terminated on xx/xx/2022. | The modification agreement was made between the borrower, xx. Heyer, and the lender, xxd/b/a xx, on xx/xx/2025. As per the modified term, the new principal balance is $238,687.38. The interest-bearing amount is $xx and the principal forgiven amount is $37,790.36. The monthly xxis $1,204.48 with an interest rate of 6.000% beginning on xx/xx/2025 and a maturity date of xx/xx/2055. | Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* xxis not active (xxshows subject loan is uninsured." |  | \* xxfailed TILA finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XX,XXX.XX.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XX,XXX.XX.<br>Loan failed xxtest due to APR calculated X.XXX% exceeds APR threshold X.XXX% under disclosed by - X.XXX%."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxright of rescission is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $5178.30 | 10/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1127.33 | 4.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Unavailable | No | xx | xx | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 01/23/2025 | $236217.72 | Not Applicable | 7.375% | $1532.70 | 03/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are X junior partial claim mortgages against the subject property in favor of the xxfirst originated on xx/xx/XXXX in the amount of $xx which was recorded on xx/xx/XXXX. The second originated on xx/xx/XXXX in the amount of $xx which was recorded on xx/xx/XXXX.<br> There are X active junior UCC liens against the subject property in favor of ISPC, which were recorded on xx/xx/XXXX and xx/xx/XXXX.<br> There are X civil judgments against the borrower xx, which were recorded on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX, in the total amount of $XX,XXX.XX.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,285.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,532.70 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $235,724.35. | Collections Comments:According to the servicing comments, the current status of the loan is in collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $235,724.35.<br> As per the comment dated xx/xx/2024, the RFD is curtailment of income.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2025.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2025. As per the modified term, the new principal balance is $236,217.72. The monthly xxis $1,532.70 with an interest rate of 7.375% beginning on xx/xx/2025 and a maturity date of xx/xx/2065. There is no deferred balance and principal forgiven amount. | xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> Missing or error on the xx<br> xx<br> xx<br> Transmittal (xx) | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject is not FHA insured."<br> \* xxrequired by guidelines (xxreport is missing from the loan documents." | \* xxmissing or unsigned (xxis missing from the loan documents." | \* ATR - Unable to determine borrower's xxapproved as OO. ATR could not be determined as XXXX, AUS, loan approval and income documents are missing from the loan documents. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxis missing. (xx) is xxfinal transmittal summary is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4725.46 | 11/30/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | $1685.84 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 11/01/2021 | $402142.54 | Not Applicable | 3.750% | $1618.73 | 12/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,025.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,618.73 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $383,425.27. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $383,425.27.<br> As per tape data, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2021.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found. <br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case #xx. xxwas dismissed on xx/xx/2014 and terminated on xx/xx/2014.<br> Foreclosure Comments:Not Applicable<br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $297,000.00. The unsecured portion is $27,124.00. xxwas filed by the creditor, xx, on xx/xx/2014, with the secured claim amount of $xx and the arrearage amount of $127,456.02. The amended Chapter 13 plan filed on xx/xx/2014 and confirmed on xx/xx/2014. The borrower xx,826.91 for 60 months to the trustee under the chapter 13 plan. There is no comment indicating a cramdown. xxwas dismissed on xx/xx/2014 and terminated on xx/xx/2014. | The modification agreement was made between the borrower xx on xx/xx/2021. As per the modified term, the new principal balance is $402,142.54. The monthly xxis $1,618.73 with an interest rate of 3.750% beginning on xx/xx/2021 and a maturity date of xx/xx/2061. There is no deferred balance and principal forgiven amount. |  | xx | 2: Acceptable with xx |  |  | \* xxloan failed the TILA finance charge test due to calculated finance charge of $xx exceeds the disclosed finance charge of $xx variance by -$X,XXX.XX."<br> \* ROR not hand dated by borrower(xx) (xxis not hand-dated by the borrower." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $0.00 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $848.44 | 5.625% | 180 |  | xx | xx |  | Conventional | Fixed |  | Unavailable | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Not Applicable |  | Unavailable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | 03/01/2023 | $71775.47 | Not Applicable | 5.625% | $386.26 | 04/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with the xx, a municipal corporation.<br> There is one junior mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with the xx, an agency of the xx<br> There is a code enforcement lien against the subject property in favor of the xxamount of $xx which was recorded on xx/xx/XXXX. The amount of the lien is greater than the loan amount of $XXX,XXX.XX.<br> There are two PACE liens against the subject property in favor of xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX.<br> There is a mechanic's lien against the borrower xx., in the amount of $X,XXX.XX, which was recorded on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,400.96 (xx), which was applied for the due date of xx/xx/2025. The current xxis $455.46 with an interest rate of 7.070%. The current UPB reflected as per the payment history is $70,189.98, and the deferred balance is $165.36. | Collections Comments:According to the servicing comments, the current status of the loan is collection.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $70,189.98.<br> As per the comment dated xx/xx/2025, the reason for default is excessive obligations.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the borrower xx. Further details were not provided.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2023.<br> No foreclosure activity has been found.<br> xx, the borrower xx. xxwas discharged on xx/xx/2017 and terminated on xx/xx/2017.<br> Foreclosure Comments:Not Applicable<br> xx, the borrowers, xx. xx, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $67,500.00. The unsecured portion is $16,080.00. xxwas filed by the creditor, xx, Inc., on xx/xx/2012, with the secured claim amount of $xx and the arrearage amount of $1,062.33. The amended Chapter 13 plan filed on xx/xx/2012 was confirmed on xx/xx/2012. The borrower xx.91 for 60 months to the trustee under the Chapter 13 plan. xxwas discharged on xx/xx/2017 and terminated on xx/xx/2017. | The step modification agreement was made between the borrower xx, and the new modified unpaid principal balance is $71,775.47. The modified monthly xx.26 with an interest rate of 5.625% starting on xx/xx/2023, which will be changed in 2 steps until the new maturity date of xx/xx/2059. The term will change in 2 steps, which end with xx.46 and a rate of 7.070%. There is no deferred balance and no principal forgiven amount. | xx<br> xx<br> xx<br> xx<br> Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxmissing or unsigned (xxfinal HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents." | \* xxis missing from the loan documents."<br> \* xxreport is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB $XXK."<br> \* Missing credit report (xxreport is missing from loan documents."<br> \* xxapplication is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable | Unavailable | Unavailable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $5120.38 | 12/11/2025 | xx | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2302.52 | 6.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 01/01/2020 | $325143.32 | $145843.32 | 5.000% | $864.58 | 01/01/2020 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of xxamount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument #xx.<br> There is an active ECB lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> There are X code enforcement liens against the subject property in favor of the xx, which were recorded on xx/xx/XXXX. The amount of the lien is not provided.<br> There is an active state tax warrant against the borrower xx, which was recorded on xx/xx/XXXX with warrant xxamount of $XX,XXX.XX.<br> There are XX civil judgments against the borrower xx, which were recorded on different dates, in the total amount of $X,XXX.XX.<br> The first and second installments of combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The third and fourth installments of combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,687.08 (xx), which was applied for the due date of xx/xx/2025. The current xxis $864.58 with an interest rate of 5.000%. The current UPB reflected as per the payment history is $169,391.90. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $169,391.90.<br> The loan was modified on xx/xx/2020.<br> The foreclosure was initiated on the loan in 2013. The notice of lis pendens is located at Ln #xx, page #xx, which was filed on xx/xx/2013. The final judgment located at Ln #xx, page #xx, was entered on xx/xx/2015. Further details not provided.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner- occupied.<br> Foreclosure Comments:The foreclosure was initiated on the loan in 2013. The notice of lis pendens is located at Ln #xx, page #xx, which was filed on xx/xx/2013. The final judgment located at Ln #xx, page #xx, was entered on xx/xx/2015. Further details not provided.<br>Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx. xx, and the lender, xx, on xx/xx/2020. As per the modified term, the new principal balance is $xx out of which $xx is the interest-bearing amount and the deferred amount is $145,843.32. The monthly xxis $864.58 with an interest rate of 5.000% beginning on xx/xx/2020 and a maturity date of xx/xx/2059. There is no principal forgiven amount. | xx<br> xx<br> xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject is not FHA insured." | \* xxmissing or unsigned (xxmissing final xxwas tested using the fee itemization in the file." | \* xxfailed xxtest due to final TIL is missing from the loan documents."<br> \* xxis missing from the loan documents."<br> \* xxloan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- xxfee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing credit report (xxreport is missing from loan documents." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $2947.98 | 12/03/2025 | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2331.08 | 6.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 43.252% | First | Unavailable | Not Applicable | Not Applicable | 09/01/2017 | $338359.84 | $46759.84 | 5.125% | $1755.46 | 09/01/2017 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.A. There is one junior partial claim mortgage against the subject property originated on xx/xx/XXXX in favor of the xxamount of $xx which was recorded on xx/xx/XXXX. There is one junior mortgage against the subject property originated on xx/xx/XXXX and was recorded on xx/xx/XXXX in the amount of $xx with xx. There are X junior civil judgments against the borrower xx, which were recorded on different dates, in the total amount of $XX,XXX.XX. There is an ECB lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX. The Xst and Xnd installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX. The Xrd and Xth installments of combined taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX. The annual utilities/MUD charges for XXXX have been delinquent in the amount of $xx which are good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,231.24 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,755.46 with an interest rate of 5.125%. The current UPB reflected as per the payment history is $227,088.51. The deferred balance is $37,407.87. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $227,088.51. As per the comment dated xx/xx/2025, the reason for default is the death of a family member. As per the comment dated xx/xx/2025, the subject property is owner-occupied. No details pertaining to the damage to the subject property have been observed. The loan was modified on xx/xx/2017. According to the updated title report dated xx/xx/2025, the foreclosure was initiated on this loan in 2015, and the notice of lis pendens, located at Ln#xx, was filed on xx/xx/2015. The cancellation of lis pendens located at Ln#xx, states that the notice of pendency was canceled on xx/xx/2018. Further details were not provided. No post-close bankruptcy record has been found.<br> Foreclosure Comments:According to the updated title report dated xx/xx/2025, the foreclosure was initiated on this loan in 2015, and the notice of lis pendens, located at Ln#xx, was filed on xx/xx/2015. The cancellation of lis pendens located at Ln#xx, states that the notice of pendency was canceled on xx/xx/2018. Further details were not provided.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2017. As per the modified term, the new principal balance is $xx out of which $xx is the interest-bearing amount, and the deferred amount is $46,759.84. The monthly xxis $1,755.46 with an interest rate of 5.125% beginning on xx/xx/2017 and a maturity date of xx/xx/2041. The loan has been modified twice since origination. | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject loan is uninsured."<br> \* Guideline is missing (xxsubject is a manually underwritten loan. Reaching out to the seller for the guidelines." |  | \* Missing credit report (xxcredit report is missing from the loan file."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $5682.64 | 12/01/2025 | Unavailable | No | Unavailable | Chapter 7 | xx | Unavailable | No | xx | Not Applicable | $2083.32 | 3.000% | 360 |  | xx | xx |  | FHA | ARM |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 644 | 685 | 47.886% | First | Final policy | Not Applicable | Not Applicable | 05/01/2017 | $470487.12 | $64677.12 | 3.000% | $1955.32 | 05/01/2017 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active junior mortgage against the subject property, which was originated on xx/xx/XXXX with instrument # xx.<br> There is a junior UCC lien against the subject property in favor of XXXX , which was recorded on xx/xx/XXXX.<br> There is an active ECB lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> There are X junior civil judgments against the borrower xx, which were recorded on xx/xx/XXXX in the total amount of $XXX.XX.<br> The first and second installments of borough taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The third installment of borough taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of borough taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utility charges for XXXX has been delinquent in the amount of $X,XXX.XX, which is satisfactory through xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the amount of $X,XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2407.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,955.32 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $304,313.43 and the deferred balance is $60,946.40. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $304,313.43 and the deferred balance is $60,946.40. <br> Unable to determine the RFD.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2017.<br> No details pertaining to the damage to the subject property have been observed.<br> According to the updated title report dated xx/xx/2025, the lis pendens located at "Ln#xx. And the lis pendens was cancelled on xx/xx/2022. Further details not found. <br> xx, the borrower, xx, filed bankruptcy under Chapter 07 with the case # xx. xxwas discharged on xx/xx/2020 and terminated on xx/xx/2020.<br>Foreclosure Comments:According to the updated title report dated xx/xx/2025, the lis pendens located at "Ln#xx. And the lis pendens was cancelled on xx/xx/2022. Further details not found. <br> xx, the borrower, xx, filed bankruptcy under Chapter 07 with the case # xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $xx The unsecured portion is $0.00. There is no comment indicating a cram down. xxwas discharged on xx/xx/2020 and terminated on xx/xx/2020. | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2017. The deferred balance is $xx and the interest-bearing balance is $405,810.00. As per the modified term, the new principal balance is $470,487.12. The monthly xxis $1,955.32 with an interest rate of 3.00% beginning on xx/xx/2017 and a maturity date of xx/xx/2041. | xx<br> xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject is not FHA insured." | \* Bankruptcy History does not meet guidelines (xx, the borrower, xx, filed bankruptcy under Chapter XX with the case # xx. xxvoluntary petition shows a handwritten address, and without deducting the value of the collateral, the value of the collateral is the unsecured portion sections." | \* xxloan failed the xxsubprime home loan initial GFE disclosure date validation test."<br> \* xxfailed xxtest due to final TIL is missing from the loan documents."<br> \* xxis missing from the loan file."<br> \* xxmissing or unexecuted (xxis missing from the loan documents."<br> \* xxloan is not failing predatory lending laws. It only exceeds the GSE points and fees test. xxfee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* xxis xxis missing from the loan documents."<br> \* xxis xxis missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Not Covered | Fail | Pass | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $1449.76 | 12/01/2025 | xx | No | Loss Mitigation | Chapter 13 | xx | Not Applicable | Unavailable | xx | Not Applicable | $1257.89 | 5.750% | 360 |  | xx | xx |  | FHA | ARM |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | 29.356% | First | Final policy | Not Applicable | Not Applicable | 08/01/2020 | $237395.68 | $47059.14 | 5.000% | $917.80 | 08/01/2020 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There is a junior enforcement mortgage against the subject property originated on xx/xx/XXXX in favor of the xxamount of $xx which was recorded on xx/xx/XXXX.<br> There are X ECB liens against the subject property in favor of the xx, which were recorded on different dates, in the total amount of $XX,XXX.XX.<br> There are X state tax warrants against the borrower xx. of State, which were recorded on xx/xx/XXXX and xx/xx/XXXX with warrant xxamount of $X,XXX.XX.<br> There is an active code enforcement lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX.<br> There is a sidewalk lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX. The amount of the lien is not mentioned in the supporting document.<br> There is a civil judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> The Xst and Xnd installments of borough taxes for XXXX were paid in the amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd and Xth installments of borough taxes for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual utility/MUD charges for XXXX are delinquent in the total amount of $XXX.XX, which was due on xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,927.20 (xx), which was applied for the due date of xx/xx/2025. The current xxis $917.80 with an interest rate of 5.00%. The current UPB reflected as per the payment history is $181,288.40, and the deferred balance is $47,059.14. | Collections Comments:According to the servicing comments, the current status of the loan is foreclosure.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $181,288.40.<br> As per the collection comment dated xx/xx/2025, the reason for default is excessive obligations.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the collection comment dated xx/xx/2025, there is a payment dispute.<br> As per the comment dated xx/xx/2025, the trial plan was approved for 3 months from xx/xx/2025 to xx/xx/2026. As per the comment dated xx/xx/2025, the trial MOD was cancelled.<br> As per the servicing comment dated xx/xx/2025, the litigation matter has been found. Unable to determine the reason for the litigation. No comment has been found that states the litigation has been resolved.<br> The loan was previously modified on xx/xx/2020.<br> As per UT dated xx/xx/2025, the FC was initiated multiple times in 2004 and 2008, which are released. The latest foreclosure case was initiated in 2013 and amended in 2016. The lis pendens, located at Ln#xx, was filed on xx/xx/2016 with case # xx. As per the comment dated xx/xx/2025, foreclosure is on hold for loss mitigation. Further details are not provided.<br> xx, the borrower, xx. Jenkins, filed bankruptcy under Chapter 13 with the case #xx. xxwas dismissed on xx/xx/2006 and terminated on xx/xx/2006.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:As per UT dated xx/xx/2025, the FC was initiated multiple times in 2004 and 2008, which are released. The latest foreclosure case was initiated in 2013 and amended in 2016. The lis pendens, located at Ln#xx, was filed on xx/xx/2016 with case # xx. As per the comment dated xx/xx/2025, foreclosure is on hold for loss mitigation. Further details are not provided.<br> xx, the borrower, xx. Jenkins, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $215,000.00. The unsecured portion as per POC is $9,671.87. xxwas filed by the creditor, xx, on xx/xx/2004, with the secured claim amount of $xx and the arrearage amount of $13,989.84. xxplan filed on xx/xx/2004 was confirmed on xx/xx/2004. The borrower xx.00 per month for 60 months to the trustee under the Chapter 13 plan. xxwas dismissed on xx/xx/2006 and terminated on xx/xx/2006. | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2020. As per the modified term, the new principal balance is $xx out of which $xx is the interest-bearing amount and the deferred amount is $47,059.14. The monthly xxis $917.80 with an interest rate of 5.00% beginning on xx/xx/2020 and a maturity date of xx/xx/2060. There is no principal forgiven amount. | xx<br> xx<br> xx<br> Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject loan is uninsured." | \* Bankruptcy History does not meet guidelines (xx, the borrower, xx., filed bankruptcy under Chapter XX with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $XXX,XXX.XX. The unsecured portion is $XX,XXX.XX. The information of the subject collateral is handwritten."<br> \* xxmissing or unsigned (xxhas some points and fees handwritten." | \* xxloan failed the xxtest as the final TIL is missing from the loan documents."<br> \* xxis missing from the loan documents."<br> \* xxreport is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* xxapplication signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Not Covered | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4557.07 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3785.52 | 6.250% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 799 | 795 | 34.114% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> For xx<br> The annual county taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> For xx<br> The annual county taxes for XXXX were paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,326.39 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,785.52 with an interest rate of 6.25%. The current UPB reflected as per the payment history is $438,340.35. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $438,340.35.<br> As per tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 20.58 years at xxdba xx<br> BWR2 has been SE for 3.5 years at 2 xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* xxmissing; loan has escrows (xxescrow account disclosure is missing from the loan documents."<br> \* Loan does not conform to program guidelines (xxshows principal or residential detached structures located in a xxare ineligible for purchase when the community does not participate in the xx."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6204.17 | 11/19/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1552.75 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 791 | Not Applicable | 43.209% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,361.51 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,552.75 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $240,512.01. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $240,512.01.<br> As per the tape data, the subject property is owner-occupied<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 9.41 years on the job as a senior estimator at xx. Additionally, BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan did not meet applicable affordable housing program requirements. File does not show affordable housing restrictions. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $14642.75 | 12/08/2025 | xx | Yes | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3539.02 | 5.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 737 | 716 | 48.543% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of xxamount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument #xx.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX have been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,637.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,539.02 with an interest rate of 5.375%. The current UPB reflected as per the payment history is $596,108.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $596,108.00.<br> As per the collection comment dated xx/xx/2025, the reason for default is excessive obligations.<br> As per the collection comment dated xx/xx/2025, the subject property is occupied by an unknown party.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> As per the collection comment dated xx/xx/2025, the foreclosure was initiated in 2025, and the lis pendens located at Ln#xx, was filed on xx/xx/2025 with the case# xx. As per the servicing comment dated xx/xx/2025, the foreclosure has been put on hold due to loss mitigation workout, and the projected hold end date is xx/xx/2025. As per the collection comment dated xx/xx/2025, the foreclosure file has been closed due to reinstatement.<br> No post-close bankruptcy record has been found.<br> BWR1 has 8 months on the job as a director of business development at xx. Previously, BWR1 had 1.5 years on the job as a recruiting manager at xx. <br> BWR2 has 8.83 years on the job as a teacher at xx.<br> Foreclosure Comments:As per the collection comment dated xx/xx/2025, the foreclosure was initiated in 2025, and the lis pendens located at Ln#xx, was filed on xx/xx/2025 with the case# xx. As per the servicing comment dated xx/xx/2025, the foreclosure has been put on hold due to loss mitigation workout, and the projected hold end date is xx/xx/2025. As per the collection comment dated xx/xx/2025, the foreclosure file has been closed due to reinstatement.<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the renovation repurchase obligation was triggered as the loan became XXX+ days delinquent prior to completion of the renovation work; RENO work was completed on xx/xx/XXXX. Further details not provided. Subject originated on xx/xx/XXXX. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $XXX,XXX.XX." | \* xxloan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 11/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4917.06 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 768 | Not Applicable | 46.690% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are no active judgments or liens that have been found.<br> Tax status is to follow. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,265.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,917.06 with an interest rate of 7.375%. The current UPB is $708,057.33. | Collections Comments:According to the servicing comments, the current status of the loan is collections.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $708,057.33. <br> Unable to determine the RFD.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 7.58 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows, early payment default. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XXX,XXX.XX. Further details are not provided."<br> \* xxhome loan toolkit/acknowledgment/disclosure tracking is missing in the loan file." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $5007.09 | $14436.91 | 11/19/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $16007.78 | 6.625% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 697 | Not Applicable | 40.605% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are no active judgments or liens that have been found.<br> The Xst instalment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The Xst instalment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst instalment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd instalment of county taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> The Xst and Xnd instalments of county taxes for XXXX have been delinquent in the total amount of $X,XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $19,050.75 (xx), which was applied for the due date of xx/xx/2025. The current xxis $16,007.78 with an interest rate of 6.625%. The current UPB is $2,477,386.91. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $2,477,386.91.<br> According to the collection comment dated xx/xx/2025, there is a dispute between borrower and lender for the payment. Further details not provided.<br> According to the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 13.25 years at xx, BWR receives VA benefits income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxshows subject loan is uninsured." |  | \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$XXX.XX. <br> The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL has expired."<br> \* XX TRID xxloan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower xx on xx/xx/XXXX.<br>TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. xxdated xx/xx/XXXXX does not reflect lender credit. This is decrease of -$X,XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents.<br> The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL is expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5988.40 | 11/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $758.49 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 631 | Not Applicable | 44.997% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active prior federal tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XXX,XXX.XX. The junior lien amount is greater than the loan amount.<br> There is an active prior UCC against the subject property in favor of xx, which was recorded on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,053.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $758.49 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $117,658.72. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $117,658.72.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives annuity income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* xxis "xxloan fails the qualified mortgage lending policy points and fees test due to the fee charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by $XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* xxloan fails the xxpoints and fees test due to fee charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by $XXX.XX. The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* xxis missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows undisclosed debt opened prior to closing. xxis XX.XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives annuity income, FICO XXX, XXXX since inception, and $X,XXX residual income." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second | xx | $15353.22 | $13957.48 | 12/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3590.71 | 7.775% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 741 | Not Applicable | 48.353% | Second | Unavailable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> The prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> There is a prior child support lien active against the borrower xx. Colbert recorded on xx/xx/XXXX. The amount of the lien is not provided.<br> The Xnd installment of county taxes for XXXX/XXXX is due in the amount of $xx on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX/XXXX has been delinquent in the total amount of $xx which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,590.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,590.71 with an interest rate of 7.775%. The current UPB reflected as per the payment history is $496,351.29. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $496,351.29.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.16 years on the job as a product management director with xx. BWR has prior employment experience as a principal product manager with xx.59 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Guideline is missing (xxloan is a manually underwritten loan. Reaching out to the seller for the guidelines." | \* xxfile show the initial CD was not disclosed/acknowledged by the non-borrowing title holder at least X days prior to consummation. Further details not provided."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $6157.40 | 11/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3381.28 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Secondary | Yes | Yes | Yes | 794 | 809 | 35.216% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx dba AMIC.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,063.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,381.28 with an interest rate of 7.990%. The current UPB is $456,032.36. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $456,032.36.<br> According to the collection comment dated xx/xx/2025, the subject property is occupied by an unknown party.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 12.66 years on the job as a director of national accounts at xx.<br> BWR2 has 27 years on the job as a president at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* xxis xxsubject leasehold agreement is in the file (xx PG#xx, and the leasehold term expires xx/xx/XXXX, and the mortgage matures on xx/xx/XXXX. Elevated for client review. Tape shows the leasehold interest does not extend through the loan maturity. Further details are not provided." | \* Loan does not conform to program guidelines (xxshows the leasehold interest does not extend through the loan maturity as required. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Occupancy concerns - (xxapproved as a second home. LOX in file from BWR shows they own another condo in the same complex and that this subject will be their second home. Subject may be NOO." | \* xxmissing; loan has escrows (xxescrow account disclosure signed by borrower is missing from the loan documents." |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6915.38 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3195.31 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 785 | Not Applicable | 35.264% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX-XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,527.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,195.31 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $478,557.86. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $478,557.86.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 8.91 years on the job as a vice president at xx. Additionally, BWR has 3 months on the job as a vice president at 4xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review."<br> \* xxis not active (xxshows the MI was rescinded." |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a vice president at xx. Additionally, BWR has X months on the job as a vice president at Xxx, xx, XXXX since inception, and $XXK equity in the subject."<br> \* xxloan failed the dual broker compensation test." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $842.84 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2502.99 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 812 | Not Applicable | 41.320% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,800.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,502.99 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $390,421.69.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $390,421.69.<br> As per the servicing comment dated xx/xx/2025, the subject property is occupied by an unknown.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 3 years on the job with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxloan was approved as xxshows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit the BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X years on the job as a default with xx, FICO XXX, XXXX since inception, and $XXK equity in the subject."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxfailed the TRID rate lock disclosure delivery date test."<br> \* xxcredits that cannot decrease the test due to the decrease of the lender credits in the final CD dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX xxis at $X,XXX.XX; the final CD dated xx/xx/XXXX xxreflects $X. A valid COC for the decreased lender credit is missing in the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation in charges that cannot increase the test due to an increase of fee in the final CD dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects a xx.XX and an xx.XX. The final CD dated xx/xx/XXXX reflects the points—loan discount fee at +$XXX.XX and appraisal fee at $XXX.XX. This is a fee increase of +$XXXX.XX for the X% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL is X year expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxhome loan toolkit/acknowledgment/disclosure tracking is missing in the loan file." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12762.64 | 12/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4492.91 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 782 | Not Applicable | 46.339% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> For xx<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been paid in the amount of $XXXX.XX on xx/xx/XXXX.<br> For xx<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $6,294.72 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,492.91 with an interest rate of 6.990%. The current UPB, reflected as per the payment history, is $667,323.55. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $667,323.55.<br> As per the comment dated xx/xx/2025, the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 25.25 years on the job as a maintenance manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* xxshows X parcels of land each with separate residences. Primary house is on one lot. The appraisal describes the other home on the adjacent lot as an xx. Review of the file shows this is a second SF home. Treating property as Xxxclient review." | \* xxmissing; loan has escrows (xxescrow account disclosure signed by the borrower xx." | \* xxloan failed the Pennsylvania license validation test.<br>The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TILA finance charge test due to the finance charge disclosed on the final CD as $XXX,XXX.XX. The calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired.<br>This loan failed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect the mortgage broker fee. The final CD dated xx/xx/XXXX reflects the mortgage broker fee of $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br>The TRID violation test failed due to a decrease in lender credit on the final xxinitial CD dated xx/xx/XXXX reflects a lender credit of $X,XXX.XX. The final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX (xx). This is a decrease of $X,XXX.XX for a fee that has a X% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $3943.29 | $7299.72 | 12/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1858.72 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 761 | 752 | 44.940% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installments of county taxes for XXXX-XXXX have been delinquent in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX-XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,564.97 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,858.72 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $395,571.13. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $395,571.13.<br> As per the collection comment dated xx/xx/2025, the occupancy of the subject property is unknown.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE as a truck driver for 2.51 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxshows MI was rescinded. PH shows MI is active." |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows lender qualified BWR using only a X-year tax return instead of the X-year business and personal tax return. xxis XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE as a truck driver for X.XX years, FICO XXX, XXXX over the last XX months, $XXXK equity in the subject, and $X,XXX residual income."<br> \* xxloan failed the TRID rate lock disclosure delivery date test."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID Violation due to decrease in lender credit on final CD dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of $X,XXX.XX for fee which has X% tolerance test. Subject loan is a purchase, originated on xx/xx/XXXX and the SOL is X year."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX%, as the borrower xx,XXX.XX, and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by xx.XX%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $3111.48 | 12/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $853.30 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 712 | Not Applicable | 49.762% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active water/sewer lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,471.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $853.30 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $132,698.98 and the deferred balance is $8,617.36. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $132,698.98 and the deferred balance is $8,617.36.<br> As per the comment dated xx/xx/2025, the borrower xx. <br> As per the comment dated xx/xx/2025, the borrower xx.<br> As per the comment dated xx/xx/2025, the reason for default is unemployment.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the borrower xx on the FB plan. Further details not provided.<br> As per the comment dated xx/xx/2025, the borrower xx. <br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR receives interest and dividends, retirement, and VA compensation income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The subject is a conventional fixed-rate mortgage with a maturity date of xx/xx/2054. xxper the note and payment history is $853.30, and the rate of interest is 6.500%. As per the comment dated xx/xx/2025, the borrower xx. As per the tape, the loan has been modified. The modification agreement is missing from the loan file. | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxallowed the loan to close without evidence the royalty income would continue for at least X years and improperly excluded debt. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR receives Royalty, dividends and Retirement income, xxequity in the subject property." | \* Appraisal incomplete (xx) (xx) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fee was included in the test:<br> xxpaid by Borrower: $X,XXX.XX.<br>Loan fails xxpoints and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fee was included in the test:<br> xxpaid by Borrower: $X,XXX.XX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $995.60 | 11/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2966.02 | 5.500% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 643 | Not Applicable | 41.791% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> For parcel # xx<br> The annual combined taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> For parcel # xx<br> The annual combined taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> For parcel # xx<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> For parcel # xx<br> The annual combined taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,256.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,966.02 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $357,755.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $357,755.00.<br> As per the comments dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comments dated xx/xx/2025, the RFD is an excessive obligation.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 5.83 years on the job as a senior lead data management analyst at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxwas purchased on X/XX/XX for $XXXxxconsists of a XXXX MH and XX acres plus storage buildings. Subject loan originated X/X/XX in the amount of $XXXK, valued at $XXXxxis in the land as evidenced by the large adjustments (xx) that the appraiser made to the land allocation. Value does not appear supported and may be used for development. Zillow shows an estimate of $XXXK. Current UPB $XXX,XXX. Elevated for client review." | \* xxloan failed the xxpublic guidelines) QM points and fees test due to fees charged of $xx exceed the fees threshold of $xx over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XX,XXX.XX.<br>The loan failed the qualified mortgage lending policy points and fees test due to fees charged of $xx exceed the fees threshold of $xx over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XX,XXX.XX."<br> \* Loan does not conform to program guidelines (xxshows a technology issue delayed the placement of the executed eNote in the file. The loan became delinquent during the resolution period prior to delivery to the xxdetails not provided. Subject originated on xx/xx/XXXX." | \* Property is xxper the appraisal report, which is located at "xx" the subject property type is a manufactured home. The manufactured home rider attached with the recorded mortgage located at "Ln#xx." |  | Elevated | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3928.22 | 12/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1657.14 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 696 | Not Applicable | 47.406% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior mortgage against the subject property, which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx.<br> The Xst and Xnd installments of city taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd and Xth installments of city taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual utilities/MUD charges for XXXX have been delinquent in the amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,106.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,657.14 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $235,915.51.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $235,915.51.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 2.66 years on the job as a service manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxagreement signed by the borrower xx." | \* Loan does not conform to program guidelines (xx). The loan became delinquent during resolution, prior to delivery to the xxpayment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XXX,XXX.XX." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | No | Not Applicable | Second |  | $0.00 | $3152.45 | 11/16/2025 | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $357.63 | 3.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 635 | Not Applicable | 33.221% | First | Short Form Policy | Not Applicable | Not Applicable | 07/22/2025 | $79966.98 | Not Applicable | 3.990% | $333.72 | 09/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page # xx, aka xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with book/page# xx.<br> There is a prior mechanic's lien against the borrower xx., which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $782.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $333.72 with an interest rate of 3.990%. The current UPB reflected as per the payment history is $79,762.81. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $79,762.81.<br> The loan was modified on xx/xx/2025.<br> As per the comment dated xx/xx/2025, the reason for default is the death of the borrower.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the foreclosure was initiated on the loan in 2025. The complaint was filed on xx/xx/2025. The service was completed on xx/xx/2025. As per the servicing comment dated xx/xx/2025, the foreclosure case was dismissed on xx/xx/2025 due to loan modification.<br> No post-close bankruptcy record has been found.<br> According to the updated title report dated xx/xx/2025, there is a notice of commencement filed in xx, FL, against the subject property (located at Ln#xx, which was recorded on xx/xx/2025. The amount is not mentioned in the supportive document. As per the servicing comment dated xx/xx/2025, the subject property needs repairs of windows, floors, and fence. No comments have been found regarding repair completion.<br> BWR receives social security income. <br> Foreclosure Comments:The foreclosure was initiated in 2025 with the loan. As per the servicing comment dated xx/xx/2025, the foreclosure complaint was filed. As per the servicing comment dated xx/xx/2025, the foreclosure was placed on hold due to loss mitigation. As per the servicing comment dated xx/xx/2025, the foreclosure case was dismissed on xx/xx/2025.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2025. As per the modified term, the new principal balance is $79,966.98. The monthly xxis $333.72 with an interest rate of 3.990% beginning on xx/xx/2025 and a maturity date of xx/xx/2065. There is no deferred balance and principal forgiven amount. |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxwas approved at XX.XX%. Tape shows SSI income was grossed up to XXX% without supporting documentation. xxis XX%. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWR receives social security income, FICO XXX, $XXK equity in the subject and residual income of $XXX."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the processing fee, underwriting fee, and credit monitoring service fee. The loan estimate dated xx/xx/XXXX reflects points—the loan discount fee at $X,XXX.XX and the transfer taxes fee at $XXX.XX. xxdated xx/xx/XXXX reflects a processing fee at $XXX.XX, an underwriting fee at $XXX.XX, a credit monitoring service fee at $X.XX, a points-loan discount fee at $X,XXX.XX, and a transfer taxes fee at $XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL expired. <br> Loan failed charges; that in total cannot increase more than XX% tolerance test. xxdated xx/xx/XXXX reflects the sum of xxfees and the recording fee at $X,XXX.XX. xxdated xx/xx/XXXX reflects the sum of xxrecording fee at $X,XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% per test. A valid COC for the increase in fee is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4078.80 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2077.31 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 779 | Not Applicable | 48.722% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active medical lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,077.31, which was applied for the due date of xx/xx/2025. The current xxis $2,077.31 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $309,642.52. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $309,642.52.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxloan closed without an appraisal. PIW disclosure signed by the borrower xx. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows undisclosed debt opened prior to closing. xxis XX.XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives social security and retirement income, FICO XXX, XXXX since inception, and $X,XXX residual income." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4891.16 | 12/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3345.62 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | No | Not Applicable | Not Applicable | 734 | Not Applicable | 43.519% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active prior state tax warrant against the borrower, xx, in favor of the xx, which was recorded on xx/xx/XXXX with warrant no. XXXXXXXX in the amount of $XX.XX.<br> The first and second installments of county taxes for XXXX/XXXX and XXXX/XXXX have been paid in the total amount of $xx on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,247.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,345.62 with an interest rate of 6.625%. The current UPB is not available in xxper tape data, the current UPB is $522,500.00. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is not available in xxper tape data, the current UPB is $522,500.00.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 3.41 years at xx, BWR has been SE as a truck operator for 5.25 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> xx<br> xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review." | \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* xxis missing. (xxcounseling disclosure is missing from loan documents."<br> \* xxmissing; loan has escrows (xxescrow account disclosure is missing from the loan documents."<br> \* xxproceed is missing from the loan documents."<br> \* Missing flood cert (xxcertificate is missing from the loan documents."<br> \* xxclosing disclosure is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxservice providers list is missing from the loan documents." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been an SE for X.XX years at xx, BWR has been SE as a truck operator for X.XX years. FICO XXX, XXXX since inception, and $XXK equity in the subject." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2281.66 | 12/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2777.17 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 674 | 683 | 35.226% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior mortgage active against the subject property in favor of the xx, Arizona, and the xxamount of $xx originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior civil judgment active against the borrower, xx, et al., in favor of xx, a foreign corporation, in the amount of $xx recorded on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX, in the amount of $X,XXX.XX, is due on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,361.67 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,777.17 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $422,037.64. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $422,037.64.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 1.5 years on the job as an HR coordinator at xx. BWR has prior employment experience as a shift manager with xx.17 years. <br> BWR2 has 6 years on the job as an operator III with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows qualifying income used by the lender exceeds the maximum income limit permitted under the bond program guidelines. Further details not provided. Subject loan originated on xx/xx/XXXX, FICO XXX, and XXXX since inception."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1683.58 | 12/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2721.44 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | No | Not Applicable | Unavailable | 787 | Not Applicable | 35.321% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,845.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,166.76 with an interest rate of 3.990%. The current UPB reflected as per the payment history is $453,946.77. <br> As per the buydown agreement located at "xx" the monthly xxhas been reduced from $2,721.44 to $2,166.76 and the interest rate has been reduced from 5.990% to 3.990%. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $453,946.77. <br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 10 years on the job as a senior application administrator at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> xx<br> Missing or error on the xx | xx | 3: Curable |  | \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "XX TRID tolerance test is incomplete due to the initial CD is missing from the loan documents."<br> \* xxis missing. (xxcounseling disclosure is missing from the loan documents."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing flood cert (xxflood certificate is missing from the loan documents."<br> \* xxinitial CD is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxsettlement services provider list is missing from the loan documents."<br> \* xxshows the appraisal did not note that the subject was listed for sale; a review of Zillow search shows the subject was listed for sale on xx/xx/XXXX at $XXXK with several price reductions; the subject's final last price was $XXXxx, the MC addendum notes seller concessions are not typical for the market, and the appraised value exceeds the listing prices without adequate supporting analysis. Comp X from the same subdivision was sold X/XX/XX for $XXXxxsearch shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $13695.64 | 12/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3255.65 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | No | Not Applicable | Unavailable | 728 | 784 | 36.602% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The Xst installment of town taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of town taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,161.24 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,255.65 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $684,621.81. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $684,621.81.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied. <br> BWR1 has 2.16 years on the job as an associate technology officer practicing at xx.<br> BWR2 has 17 years on the job as an admin assistant at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the lender could not obtain IRS tax transcripts during processing and closing due to xxdelays. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as an associate technology officer practicing at xx. BWRX has XX years on the job as an admin assistant at the xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject."<br> \* Missing flood cert (xxcertification is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Missing proof of hazard insurance (xxinsurance policy is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7499.30 | 01/09/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1270.10 | 4.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 650 | Not Applicable | 27.552% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,917.39 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,270.10 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $225,461.50. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $225,461.50.<br> As per the tape, the subject property is owner-occupied.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 4.33 years on the job as an analyst with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows the loan was unable to sell, as the appraised value came under question, and when the field review was completed, the appraised value reduced, changing LTV from XX% to XX%. Based on the current estimated value, the LTV will be below the MI requirement. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the xxdated xx/xx/XXXX reflects xx,XXX.XX. Loan estimate dated xx/xx/XXXX reflects xx.XX. CD dated xx/xx/XXXX reflects xx.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9559.20 | 12/17/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1268.24 | 5.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 3 Family | xx | xx | Investor | Yes | Yes | No | 687 | Not Applicable | 23.919% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xrd and Xth installments of city taxes for XXXX are due in the total amount of $X,XXX.X on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of city taxes for XXXX have been paid in the total amount of $X,XXX.X on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,854.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,268.24 with an interest rate of 5.000%. The current UPB reflected as per the payment history is $213,233.29. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $213,233.29.<br> As per the tape, the subject property occupancy is stated as an investment.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 9.58 years on the job as an assistant director at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxlease agreement is missing from the loan documents. Subject originated xx/xx/XX." |  | \* ATR - Unable to determine borrower's xxis NOO and approved at XX.XX%. Tape shows miscalculation of rental income. xxis XX.XX%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as an assistant director at xx, FICO XXX, XXXX in the last XX months, $XXXK equity in the subject, and $X,XXX residual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $4888.02 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2572.75 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 795 | Not Applicable | 41.832% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx,XXX.XX.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,246.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,572.75 with an interest rate of 8.125%. The current UPB reflected as per the payment history is $345,116.83. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $345,116.83.<br> As per tape, the subject property is owner-occupied.<br> The tape shows, xxk in repairs are needed, and the repairs are expected to start xx/xx/2025 and take 6-8 months. The letter that was uploaded still states that there is damage and corrosion. Provide updated documentation once all repairs are completed. I will go back to the HOA and see if the repairs have commenced. Per the contract, they were to start the work on Aug 4 of this year, but the completion wasn't expected until 5/1/26. Collection comment does not show any damages.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 1.83 years on the job as a senior manager of medical writing with xx. Previously, BWR had 1.16 years on the job as a director, quality control, and medical writer with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxshows the subject condo project is due for repairs estimated at $XXXK, and the repairs are expected to start on xx/xx/XXXX and be completed by May XXXX. Condo questionnaires do not provide any details regarding the repair work. The final XXXXD, or inspection report, is missing from the loan documents." |  | \* xxis "xxfailed qualified mortgage safe harbor threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%."<br> \* xxfailed the TRID rate lock disclosure delivery date test." |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3158.88 | 12/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2392.73 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 756 | 747 | 46.176% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The Xst installment of town taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of town taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,140.13 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,392.73 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $329,772.90. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $329,772.90.00.<br> As per the tape, the subject property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 & BWR2 receive social security and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxagreement is missing from the loan documents. As per seller, no rental income was used to qualify for this loan, thus there is no lease agreement." | \* Loan does not conform to program guidelines (xxis xxshows the XX-month seasoning requirement was not met, as the mortgage refinance date was xx/xx/XXXX. Further details not provided. Subject originated on xx/xx/XXXX." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2643.38 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $2803.13 | $3858.34 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 761 | 730 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx DBA xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,188.80 (xx), which was applied for the due date of xx/xx/2025. The current interest-only payment is $2,803.13 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $517,500.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $517,500.00.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxis missing (xxlease agreement is missing from the loan documents. The available lease agreement is for a different property address: XXXX xx, CA XXXXX." | \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* Note data is missing or inaccurate (xxshows incorrect xxterm on note. Further details are not provided. File shows the note document does not show the xxterm whereas loan approval and amortization schedule show interest only period is for XXX months out of XXX months." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9674.96 | 01/05/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4558.46 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 773 | 640 | 47.716% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a California corporation.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $5,639.76 (xx), which was applied for the due date of xx/xx/2026. The current xxis $4,558.46 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $659,497.79. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $659,497.79.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 receives social security and pension income.<br> BWR2 has 6 months on the job as a deputy county counsel at the County of San Diego. BWR2 had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxreport show the loan failed the initial CD TRID X-day waiting period prior to the consummation date. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4879.00 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1817.69 | 7.000% | 480 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 683 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,533.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,817.69 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $291,706.14. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $291,706.14.<br> As per the tape, the subject property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the investor lock had a XX-year interest-only term, and the lender closed as a XX-year fixed term. File also shows the subject closed with a XX-year fixed term. Further details not provided. The subject loan originated on xx/xx/XXXX and FICO XXX." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $10461.58 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1010.35 | 3.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 694 | Not Applicable | 35.344% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There is one junior mortgage against the subject property, which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX, with xx, in the amount of $xx with xx.S. xx<br> There is one junior UCC lien against the borrower, xx, in favor of xx, which was recorded on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,010.35 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,010.35 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $207,698.09. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $207,698.09.<br> As per tape data, the property is non-owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 32.16 years on the job as a senior account manager with xx. Additionally, BWR receives pension and social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxlease agreement is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1055.08 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $607.01 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 774 | Not Applicable | 43.413% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $XX.XX on xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $607.01 (xx), which was applied for the due date of xx/xx/2026. The current xxis $607.01 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $94,462.67. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $94,462.67.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 2.75 years on the job as a technical expert at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1034.40 | 12/01/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1392.72 | 2.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 809 | 768 | 46.716% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd annual installments of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX & xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,730.15 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,392.72 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $314,018.35. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current xxis $1,392.72 with an interest rate of 2.625%. The current UPB is $314,018.00.<br> As per tape, the subject property is the owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.66 years on the job as a customer service representative at the xx<br> BWR2 receives social security and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxsubject loan has a single-premium MI plan and full amount for xx." | \* xxfailed the xxpublic guidelines) xxtest due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX.<br>Loan failed the xxtest due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xxdoc pkg PG#xx.XX%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1510.19 | Unavailable | Not Applicable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1574.97 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 785 | Not Applicable | 36.277% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. Unable to determine the last payment received. The current xxis $1,574.97 with an interest rate of 3.375%. The current UPB reflected as per tape data is $336,130.00. | Collections Comments:According to the tape, the current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The UPB is $336,130.00.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> As per the servicing comment dated xx/xx/2024, the foreclosure was initiated in 2024 with the loan. As per servicing comments dated xx/xx/2025, the foreclosure sale is scheduled for xx/xx/2025. As per the servicing comment dated xx/xx/2025, the foreclosure sale has been put on hold due to the accepted deferral. Deferral approval letter received on xx/xx/2025 for the deferment amount of $11,917.64. Further details not provided.<br> No post-close bankruptcy record has been found.<br> BWR receives pension and social security income.<br>Foreclosure Comments:As per the servicing comment dated xx/xx/2024, the foreclosure was initiated in 2024 with the loan. As per servicing comments dated xx/xx/2025, the foreclosure sale is scheduled for xx/xx/2025. As per the servicing comment dated xx/xx/2025, the foreclosure sale has been put on hold due to the accepted deferral. Deferral approval letter received on xx/xx/2025 for the deferment amount of $11,917.64. Further details not provided.<br>Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis not active (xxout to seller to verify active MI status.<br> xx/xx/XXXX: Seller responded that the MI is not active." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $21813.10 | 01/23/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4324.47 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 693 | 738 | 49.772% | First | Final policy | Not Applicable | Not Applicable | 11/22/2025 | $690812.74 | Not Applicable | 6.875% | $3884.19 | 01/01/2026 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active junior mortgage against the subject property, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> The annual county taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $6,386.53 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,884.19 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $634,035.24. The due dates were advanced from xx/xx/2025 to xx/xx/2026 due to loan modification. | Collections Comments:The current status of the loan is performing<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $853.67 (xx), which was applied for the due date of xx/xx/2026. The current xxis $853.67 with an interest rate of 9.750%. The current UPB reflected as per the payment history is $87,902.88.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property owner-occupied.<br> BWR1 has 13.83 years on the job as a material resource planner with xx.<br> BWR2 has 1.16 years on the job as a senior supply chain coordinator with xx. <br> Previously, BWR2 had 6.66 years on the job as a senior supply chain coordinator with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers xxlender xx, on xx/xx/2025. As per the modified term, the new principal balance is $xx out of which $xx is the interest-bearing amount and the deferred amount is $56,527.24. The monthly xxis $3,884.19 with an interest rate of 6.875% beginning on xx/xx/2026 and a maturity date of xx/xx/2065. There is no principal forgiven amount. |  | xx | 3: Curable |  | \* Assets do not meet guidelines (xxshows assets are insufficient for closing. As per LP, available assets in the amount of $XXXK satisfy the cash-to-close requirement of $XXXK at closing. Review of loan file shows the funds were in escrow at closing from the proceeds from another property. Further details not provided. The subject loan was originated on xx/xx/XXXX, FICO XXX." | \* xxloan failed the TRID rate lock disclosure delivery date test.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $948.00 | 11/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1862.66 | 6.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 800 | 808 | 43.915% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,862.66, which was applied for the due date of xx/xx/2025. The current xxis $1,862.66 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $294,464.15. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $294,464.15.<br> As per tape, the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 5.33 years on the job as a bus driver with xx.<br> BWR2 has been SE as a bus cleaner for 7.08 years.<br> BWR3 has 1.25 years on the job as an electrician at xx. Previously, BWR3 had 8 months on job with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxloan closed without an appraisal. PIW disclosure signed by the borrower xx. Zillow search shows an estimated value at $XXXK. Current UPB is $XXXK."<br> \* Loan does not conform to program guidelines (xxshows PIW was lost on the AUS when the LTV was corrected. Further details not provided. The subject originated on xx/xx/XXXX, FICO XXX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1271.16 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1440.58 | 5.625% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Not Applicable | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | No | Not Applicable | Unavailable | 765 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are no active judgments or liens that have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX. <br> No prior year's delinquent taxes have been found. | The subject loan was originated on xx/xx/2025, and the first payment date is xx/xx/2026. As per the tape as of xx/xx/2025, the next due date is xx/xx/2026. The current xxis $3,602.39 with an interest rate of 6.625%. The current UPB is $250,250.00. | Collections Comments:The current status of the loan is performing.<br> The subject loan was originated on xx/xx/2025, and the first payment date is xx/xx/2026. As per the tape as of xx/xx/2025, the next due date is xx/xx/2026. The current xxis $3,602.39 with an interest rate of 6.625%. The current UPB is $250,250.00.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> Missing or error on the xx<br> xx | xx | 3: Curable |  | \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete due to the initial CD is missing from the loan documents."<br> \* Loan does not conform to program guidelines (xxfile show the subject loan closed X days prior to the signing or notarization. The final CD reflects the closing date as xx/xx/XXXX. The notary's signature date on the mortgage/deed of trust is xx/xx/XXXX. The note date is xx/xx/XXXX."<br> \* Missing flood cert (xxflood certificate is missing from the loan documents."<br> \* xxinitial closing disclosure is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxsettlement service providers list is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1318.00 | 12/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1048.14 | 6.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 794 | Not Applicable | 30.831% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of xxamount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument #xx.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual water charges for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,316.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,048.14 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $162,946.39.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $162,946.39.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is owner-occupied.<br> The appraisal report is completed as is. The photo addendum shows the large cracks in the basement foundation walls, and an engineer inspection report certifying the structural integrity of the property is missing. The cost of repair is not available. xxis missing from the loan file. No evidence is available to confirm the current status of repairs.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1 year on the job as a facilities lead worker at xx. BWR has prior employment experience as a senior maintenance craftsperson with the xxbetween xx/xx/2013 and xx/xx/2024 for 11.08 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxshows lender repurchased loan over investor concerns with the structural integrity issues in foundation walls. Appraisal report shows water gets accumulated in the basement walls due to the melting of snow and cracks in the basement wall. Appraisal also notes part of the basement ceiling is covered with cardboard. The estimated cost to cure is not available. XXXXD, or an inspection report by a licensed professional confirming the safety and structural soundness of the subject property, is missing from the loan file. The final CD does not reflect escrow holdback." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5939.20 | 12/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3721.81 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | 4 Family | xx | xx | Investor | Yes | Yes | No | 745 | 745 | 34.824% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,831.19 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,721.81 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $580,737.17. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current xxis $3,721.81 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $580,737.17.<br> As per the tape, subject property occupancy is stated as investor.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 17.5 years on the job as a regional dental director at the state of California. <br> BWR2 has 18.25 years on the job as a regional dental director at the state of California.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Transmittal (xx) | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxshows the subject loan was rejected by the investor due to the satisfactory completion of the suggested corrections by the appraiser. Appraisal was subject to completion of termite inspection and hot water heater pressure relief repair and XXXXD showing all conditions have been satisfactorily completed. Inspection report in file shows additional issues were not addressed including leak in bathroom and stucco bowing. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* Transmittal (xx) is xxtransmittal summary is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $586.41 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2334.07 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 753 | Not Applicable | 49.118% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,625.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,334.07 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $354,701.29. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $354,701.29.<br> As per the tape, the subject property is owner-occupied.<br> The appraisal report is completed as is. The improvement and photo addendum of the appraisal report show slight damage to the wall. The estimated cost to cure is not available. xxis missing from the loan file. No details are available to confirm the current status of repairs. CCs do not show damage.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2 years on the job as a business process analyst at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxappraisal report is as-is. The improvement and photo addendum of the appraisal report show minor damage on the wall. The estimated cost to cure is not available in the loan files. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. The subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active.<br>This loan failed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxfailed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects Recording fee at $XXX.XX. CD dated xx/xx/XXXX reflects Recording fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxtape and review of the purchase agreement show buyer X as xx, whereas the appraisal report reflects buyer X as xx, resulting in an inconsistency in the buyer's name across documents. Further details not provided. The subject deed dated xx/xx/XXXX shows xxbuyer. Subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxtape and appraisal report show that the comps selected are not similar, and the value is $XXXxx, with a sales price of $XXXK, is closest to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5604.40 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2655.26 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 756 | Not Applicable | 24.974% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2900.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,655.26 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $436,575.26. | Collections Comments:According to the tape, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $436,575.26.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 9.50 years on the job as a XXXX at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate.<br> The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br> TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of +$XXX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. <br>Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows the subject loan does not meet the required seasoning requirements for a cash-out refinance. Further details not provided. The subject loan originated on xx/xx/XXXX, FICO XXX, and XXXX since inception."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Moderate | Pass | Fail | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9655.84 | 12/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4440.39 | 6.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 806 | 774 | 47.190% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.XXX in the amount of $xx with xx.<br> There are no active judgments or liens that have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $5,566.39 (xx), which was applied for the due date of xx/xx/2026. The current xxis $4,440.39 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $701,328.71. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $701,328.71.<br> As per the seller's tape, the subject property is owner-occupied. <br> The appraisal report in the loan file is as is; the improvement section shows the water has been turned off and there are water stains on the ceiling of the rec room that need to be repaired. The estimated cost to cure is not available in the loan file. CCs do not show any damage.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR1 has 8.91 years on the job as a maintenance service representative at xx. Additionally, BWR1 receives child support income. <br> BWR2 has 2 months on the job as an associate at xx., xx, BWR2 receives child support and social security income. Previously, BWR2 had multiple jobs in the last two years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxappraisal report in the loan file is as is; the improvement section shows there are water stains on the ceiling of the rec room that need to be repaired. The estimated cost to cure is not available in the loan file. xx, or an engineer inspection report, is missing from the loan documents, and the final CD does not reflect the escrow holdback amount." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxincluded commission income without a X-year history. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx, BWR X is employed with xx, FICO XXX, $X,XXX residual income $XX.XK reserves and $XX.XK equity in the subject property.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1392.96 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $584.93 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 748 | 719 | 49.442% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $XXXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $761.63 (xx), which was applied for the due date of xx/xx/2025. The current xxis $584.93 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $94,636.62. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $94,636.62.<br> As per the servicing comment dated xx/xx/2025, the subject property was damaged. The date of loss is xx/xx/2025, and the borrower xx,000.00. As per the comment dated xx/xx/2025, the loss draft check was received in the amount of $5,000.00 on xx/xx/2025. There is no evidence to confirm the current status of repairs in the latest collection comments.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 8.33 years at xx<br> BWR2 has been SE as a truck driver for 11.50 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject is NOO as the lender was unable to validate owner occupancy. Further details not provided. Elevated for client review." | \* xxfailed xxdelivery and timing test for revised CD dated xx/xx/XXXX. Document tracker is missing and X business days were added to get receipt date xx/xx/XXXX which is after the consummation date xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. Tape shows subject is NOO as the lender was unable to validate owner occupancy causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been SE for X.XX years at Benf Trucking. BWRX has been SE as a truck driver for XX.XX years, FICO XXX, XXXX since inception, and $XXXK equity in the subject." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $5000.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3097.29 | 12/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2167.64 | 5.550% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 724 | Not Applicable | 43.707% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,650.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,167.64 with an interest rate of 5.550%. The current UPB reflected as per the payment history is $367,859.12. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $367,859.12.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 3.91 years on the job as an assistant professor at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject is NOO as the lender was unable to validate owner occupancy. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's xxsubject loan was approved as OO at XX.XX%. The tape shows the subject is NOO as the lender was unable to validate owner occupancy causing the lender to omit BWR primary housing expenses and the revised FICO XXX. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as an assistant professor at the xx, XXXX since inception, and $XXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5530.78 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $947.84 | 6.475% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 694 | Not Applicable | 42.382% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,630.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $947.84 with an interest rate of 6.475%. The current UPB, reflected as per the payment history, is $149,524.07. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $149,524.07.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.83 years on the job as an insurance producer at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows the condo project is ineligible, as the delinquency on special assessments is XX.X%, exceeding the maximum allowable limit of XX%. Review of the condo questionnaire does not show any special assessment. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $X,XXX.XX." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1582.77 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1230.62 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 727 | Not Applicable | 42.277% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,635.96 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,230.62 with an interest rate of 7.50%. The current UPB reflected as per the payment history is $175,605.68. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $175,605.68.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE as a personal assistant for 2.58 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the lender did not properly document and verify the income of the borrower xx. Tape also shows BWR does not report the SE income on their taxes. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE as a personal assistant for X.XX years, FICO XXX, XXXX since inception, and $XXK equity in the subject." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $231.30 | $840.51 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1862.49 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 757 | 730 | 41.818% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is one junior mortgage against the subject property, which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument # xx, a xx, a state agency.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX has been partially paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd and Xrd installments of county taxes for XXXX are delinquent in the total amount of $XXX.X, which is good through xx/xx/XXXX.<br> The Xth installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,104.49 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,862.49 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $276,228.93. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $276,228.93.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 8 years on the job as a food service manager at the Clark County School District. BWR2 has 1.75 years on the job as a runner & spa guest attendant at xx. Previously, BWR2 was a full-time student with the xxbetween xx/xx/2023 and xx/xx/2023 for 4 months.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the TRID rate lock disclosure delivery date test due to disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower xx on xx/xx/XXXX.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows the loan fails to satisfy xxrequirements, specifically that a non-purchasing spouse must sign the mortgage or deed of trust. The investor requested a divorce decree to confirm that the spouse was awarded the property at xx, NV xx. Without divorce, exceptions are not permitted, and since the borrower xx, the investor's acceptance is denied. Further details not provided."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5808.43 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2426.85 | 7.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | xx | xx |  |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 805 | 739 | 46.222% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of MERS as a nominee for xx, which was recorded on xx/xx/XXXX with instrument #xx,XXX.XX.<br> The annual installment of city taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2026. According to tape data as of xx/xx/2025, the next due date is xx/xx/2026. The current xxis $2,426.85 with an interest rate of 7.750%. The current UPB reflected as per the tape data is $332,924.82. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $332,924.82.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 10 months on the job as a head baker at xx. Previously, BWR1 had 2.58 years on the job as a baker at xx. <br> BWR2 has 4.5 years on the job as an operations administrator at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxconnection shows that the MI was canceled on xx/xx/XXXX." | \* xxloan failed the TRID rate lock disclosure delivery date test due to disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower xx on xx/xx/XXXX.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* xxfailed the xxpublic guidelines) xxtest due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%."<br> \* Loan does not conform to program guidelines (xxshows non-occupying co-borrowers are limited to XX% LTV unless they are family members and missing an LOE to verify that the borrower xx,XXX.XX. Further details not provided. The subject loan closed on xx/xx/XXXX with an LTV of XX.XXX% and a CLTV of XXX.XXX%."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed the FHA qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2305.12 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 749 | 793 | 41.085% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,527.74 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,305.12 with an interest rate of 6.625%. The current UPB is $358,718.96. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $358,718.96.<br> No details pertaining to the damage to the subject property have been observed. <br> As per tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR1 has 8 months on the job as a machine operator with xx. Previously, BWR1 had 4.83 years on the job as a team lead with xx. <br> BWR2 has 19.33 years on the job as an xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows REO obligations were not properly calculated. xxis XX.XX%. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X months on the job as a machine operator with xx. BWRX has XX.XX years on the job as an xx, FICO XXX, XXXX since inception, $XXXK reserves, $XXK equity in the subject, and $X,XXX residual income.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1433.39 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 784 | 746 | 38.378% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx dba xx<br> No active judgments or liens have been found.<br> The taxes are to follow. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,929.20 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,433.39 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $226,922.24. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $226,922.24.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner occupied.<br> BWR1 has 3.41 years on the job as a staff chaplain with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xx). xxreflects point and fees paid by seller in the amount of $XX,XXX.XX. Further details not provided."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1104.67 | 12/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $310.38 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 748 | Not Applicable | 49.997% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a credit card judgment against xxfavor of xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX. The borrower xx on the supporting document is inconsistent with the subject borrower.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $385.33 (xx), which was applied for the due date of xx/xx/2026. The current xxis $310.38 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $47,433.12. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $47,433.12.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxsubject loan was closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXK."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. CD dated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active." | \* ATR - Unable to determine borrower's xxsubject approved at XX.XX%. Tape shows undisclosed debts and the lender did not obtain tax transcripts to determine SSI income. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives social security income, FICO XXX, and XXXX since inception." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $667.63 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $720.56 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 816 | Not Applicable | 29.789% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx., a California corporation.<br> No active judgments or liens have been found.<br> The Xst annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd annual installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $864.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $720.56 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $113,270.47. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $113,270.47.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 7.4 years on the job as an operations manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxshows condo project documentation is not provided. Appraisal report and condo questionnaire do not reflect any damage or repair. Zillow search shows an estimated value of $XXXK. Current UPB $XXXK." | \* xxloan failed the Kansas license validation test.<br>Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations." |  | Moderate | Pass | Pass | Pass | Not Covered | Not Covered | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5567.80 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2036.63 | 4.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 761 | Not Applicable | 43.801% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,935.17 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,036.63. The current UPB reflected as per the payment history is $314,431.00. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB, as per the payment history is $314,431.00.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 1.41 years on the job as a general manager at xx. Previously, BWR had 7.33 years on the job as a general manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxshows lender-paid MI has been canceled." |  | \* xxfailed the TILA finance charge test. Finance charge disclosed on the final CD is $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX. The subject loan is a refinance case that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx" |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7332.94 | 12/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1600.78 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 679 | 699 | 32.705% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx., a California corporation.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,600.78, which was applied for the due date of xx/xx/2025. The current xxis $1,600.78 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $246,468.85. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $246,468.85.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 & BWR2 have been SE for 2.83 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxshows property is NOO due to misrepresentation. Further details were not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's xxsubject was approved as OO at XX.XX%. Tape shows subject is NOO due to misrepresentation causing the lender to omit the BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX & BWRX have been SE for X.XX years at xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3904.32 | 01/05/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1309.00 | 4.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 707 | 764 | 33.940% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx in the amount of $xx with xx., xx.<br> There is an active prior sewer lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX. <br> The Xst and Xnd installments of town taxes for XXXX have been paid in the total amount of $XXXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd and Xth installments of town taxes for XXXX are due in the total amount of $XXXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,158.64 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,309.00 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $218,367.88. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $218,367.88.<br> As per the tape data, the subject property is owner-occupied.<br> Tape and review of the file show the appraisal report is subject to completion of renovations, and the work is not completed. The estimated amount of repairs is $73K, and the 1004D confirming the completion of renovation is missing from the loan documents. The final CD reflects the escrow holdback of $80K.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.16 years on the job as a caregiver at xx. <br> BWR2 has 2.33 years on the job as a system manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxreview of the file show the appraisal report is subject to completion of renovations, and the work is not completed. The estimated amount of repairs is $XXK, and the XXXXD confirming the completion of renovation is missing from the loan documents. The final CD reflects the escrow holdback of $XXK."<br> \* Loan has escrow holdback. No proof it was released (xxdated xx/xx/XXXX reflects escrow holdback in the amount of $XX,XXX.XX. Proof for release of escrow holdback is missing from the loan documents." |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. xxdated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$XX.XX for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. <br>Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxtest xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx). <br>Loan failed xx.XX xxthreshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed xxthreshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $73205.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8501.67 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3167.10 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 782 | Not Applicable | 49.145% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, xxactive judgments or liens have been found. The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,068.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,167.10 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $486,604.10. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current xxis $3,167.10 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $486,604.10.<br> As per the tape, the subject property is owner-occupied. No details pertaining to the damage to the subject property have been observed. The loan has not been modified since origination. No foreclosure activity has been found. No post-close bankruptcy record has been found. <br> BWR has 3 months on the job as an enterprise account executive with xx. Previously, BWR had multiple jobs in the past 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxused the departing residence lease income and missed the home was listed for sale. Lender defect. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx, FICO XXX, $X,XXX residual income, and $XX.XK equity in the subject property. XXXX since inception." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $2919.72 | 02/06/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $881.86 | 3.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Not Applicable | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior child support lien against the borrower xx, which was recorded on xx/xx/XXXX. The supportive document does not show lien amount. <br> The Xst installment county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX/XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $881.86 (xx), which was applied for the due date of xx/xx/2026. The current xxis $881.86 with an interest rate of 3.000%. The current UPB is $182,481.29. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $182,481.29.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxsubject loan is not insured as final xxshow MIP refund in the amount of $X,XXX.XX." | \* Loan does not conform to program guidelines (xxfile show the subject loan was originated with a lower interest rate of X.XX%. Further details not provided. Subject originated on xx/xx/XXXX." | \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as the initial LE is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxis missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxservicing transfer disclosure is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4235.92 | 01/08/2026 | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $1316.04 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 709 | Not Applicable | 43.128% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are two junior UCC financing judgments against the borrower xx, which were recorded on different dates.<br> There is a child support lien against the borrower xx, which was recorded on xx/xx/XXXX. xx.<br> The Xst installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,316.04 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,316.04 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $276,576.90.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $276,576.90.<br> As per the servicing comment dated xx/xx/2024, the reason for default is the illness of the borrower.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> xx, the borrowers, "xx," filed bankruptcy under Chapter 13 with the case #xx. xxwas discharged on xx/xx/2025 and terminated on xx/xx/2025.<br> BWR has been SE for 5 years at xx<br>Foreclosure Comments:Not Applicable<br> xx, the borrowers, "xx," filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $443,000.00. The unsecured portion is $0.00. The chapter 13 plan filed on xx/xx/2025 was not confirmed yet. There is no comment indicating a cramdown. xxwas discharged on xx/xx/2025 and terminated on xx/xx/2025. | Not Applicable | xx | xx | 4: Unacceptable | \* xxis not active (xxout to the seller to verify active MI status.<br>xx/xx/XXXX: Seller confirmed that MI has been canceled." |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows FNMA disagrees with the income calculation. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X years at xx, FICO XXX, and $XXK equity in the subject."<br> \* xxloan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower xx on xx/xx/XXXX."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete due to initial CD is missing from the loan documents."<br> \* xxinitial closing disclosure is missing from the loan documents."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx.XX%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10522.29 | 01/09/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3139.42 | 4.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 725 | 728 | 33.457% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, in the amount of $xx with xx.<br> There is one junior mortgage against the subject property, which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx, in the amount of $xx with xx.<br> The Xst installment of combined taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst installment of utilities/MUD charges for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of utilities/MUD charges for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the total amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,140.13 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,139.42 with an interest rate of 4.500%. The current UPB reflected as per the payment history is $582,558.88.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $582,558.88..<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 6.16 years on the job as a senior business account executive with xx.<br> BWR2 has 3.58 years on the job as an outside sales consultant with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows an appraisal issue. The appraisal report located at "xx. xxis located at "xx." Further details not provided."<br> \* xxtape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XXXxx, with a sales price of $XXXK, is closest to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* xxsubject loan has a single-premium MI plan and full amount for xx." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase fee in the amount of +$X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxis missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $4148.18 | 02/11/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1553.36 | 5.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 782 | Not Applicable | 33.360% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,533.36 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,533.36 with an interest rate of 5.375%. The current UPB reflected as per the tape is $261,184.15. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026.The current UPB is $261,184.15.<br> As per the servicing comment dated xx/xx/2024, the reason for the default is servicing problem.<br> As per servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 5.75 years on the job as a revenue cycle representative with xx. Additionally, BWR receives pension and social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxout to seller for the active MI status.<br>xx/xx/XXXX: Seller confirmed that MI has been cancelled." | \* xxtape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XXXxx, with a sales price of $XXXK, is closest to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. xxdated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8248.34 | 12/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4319.96 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 736 | 718 | 43.754% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX was paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 which was applied for the due date of xx/xx/2025 in the amount of $$5,173.62. The current xxis $4,319.96 with an interest rate of 7.875%. The current UPB is $595,389.98. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $595,389.98.<br> Unable to determine the reason for default.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 6.16 years at xx<br> BWR2 has been SE for 6.16 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan had a bankruptcy discharge in xx/xx/XXXX, which is less than X years. The investor was not comfortable with that."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxsettlement services provider list is missing from the loan documents." | \* xxtest xxloan failed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx), and (xx). The loan failed the xxthreshold test due to the APR calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4118.72 | 01/01/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2209.57 | 3.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Unavailable | xx | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | 784 | Not Applicable | 23.118% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,646.01 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,209.57 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $447,458.47. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $447,458.47.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 9 years on the job as an attorney with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* MI, xxmissing and required (xxcertificate is missing from the loan documents."<br> \* xxshows the subject property is a non-warrantable condo. Appraisal report is as is with no damage noted. The condo questionnaire shows a special assessment of $XXXK for repairs which includes carpeting parts of the building, elevator repairs and pool resurfacing along with refunding reserves. Further details not provided. Zillow search shows the subject valued at $XXXK. Current UPB is $XXXK." | \* Loan does not conform to program guidelines (xxshows the subject is a condotel unit at the xx, located in xxproperty has amenities including a community pool, entertaining space, a XXst-floor rooftop pool and sundeck, grilling areas, a game room, a movie theater, a private fitness center, Fahrenheit restaurant rooftop access on the XXst floor, and xxresidents are offered room service from the Fahrenheit restaurant. Condos are connected with the hotel xxcheck-in on the XXth floor. Zillow search shows the subject valued at $XXXK. Current UPB is $XXXK." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase fee in the amount of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8089.42 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2210.79 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 817 | 776 | 34.145% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst installment of utilities/MUD charges for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of utilities/MUD charges for XXXX is due in the amount of $X.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,928.61 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,210.79 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $363,140.92. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $363,140.92.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 5 months on the job as a human resources executive assistant with xx. Previously, BWR1 had 2.83 years on the job as an xx.<br> BWR2 has 1.25 years on the job as a primary care nurse at xx.<br> Previously, BWR2 had multiple jobs in the last 2 years in the same line of work.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the xxcoverage conflict validation test due to the loan containing multiple disclosures, including a post-consummation closing disclosure, and the data required for determining TILA coverage conflicts between the PCCD and the last disclosure given at or prior to consummation."<br> \* xxloan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, and any other interest rate-dependent charges and terms was not provided to the borrower xx. The subject loan is a refinance case originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* ROR not hand dated by borrower(xx) (xxis not hand-dated by the borrower." | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows the BWR was not employed, and the xxwas not within XX days of closing. Further details not provided. BWR defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X months on the job as a human resources executive assistant with xx. BWRX has X.XX years on the job as a primary care nurse at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12092.16 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2969.99 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | No Verification of Stated Assets | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 732 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> No active judgments or liens have been found.<br> The first and second installments of city taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. Unable to determine the last payment received. The current xxis $2,969.99 with an interest rate of 8.125%. The current UPB reflected as per the tape is $398,130.76. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $398,130.76. <br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> The subject loan was approved under the no-income and full asset verification loan program.<br> This is a CDFI loan.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the CT nonprime home loan test, as the loan is a nonprime home loan, as defined in the legislation."<br> \* xxfailed the xxpublic guidelines) xxtest due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX.<br>Loan failed the xxtest due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* Loan does not conform to program guidelines (xxtape shows a defect as an early payment default. According to payment history tape data as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. Unable to determine the last payment received. The current UPB reflected as per the tape data is $XXX,XXX.XX. As per payment history, the current UPB is $X.XX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* xxtest xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx). <br> Loan failed xxthreshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5550.76 | 01/01/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3972.93 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 786 | 771 | 34.891% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $4,826.72 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,972.93 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $621,324.82. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $621,324.82.<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 6 months on the job as a senior banner ERP analyst with xx. Previously, BWR1 had 3 years on the job as an applications system analyst with the xx<br> BWR2 has 8 months on the job as an attorney with xx. Previously, BWR2 had 2 years on the job as an attorney with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* Loan does not conform to program guidelines (xx). xxreflects seller credit of $XXxxdetails not provided."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the credit report fee at $XXX.XX. xxdated xx/xx/XXXX reflects credit report fee of $XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $9152.18 | 01/07/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2091.06 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 749 | 767 | 41.697% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior mortgage against the subject property in favor of MERS as nominee for xx, which was recorded on xx/xx/XXXX with instrument #xx,XXX.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,208.86 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,091.06 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $445,477.15. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $445,477.15.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 8.25 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the current interest rate is too low to support a refinance transaction. Further details not provided. Subject originated on xx/xx/XXXX." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the self-employed income is not supported, as the xxreflects declining income inconsistent with the income used to qualify. xxis XX.XX%. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X.XX years at xx, FICO XXX, XXXX in the last XX months, $XXXK equity in the subject, and $X,XXX residual income."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7917.49 | 01/28/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4409.31 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 787 | 810 | 44.912% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are no active judgments or liens that have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $5,307.11 (xx), which was applied for the due date of xx/xx/2026. The current xxis $4,409.31 with an interest rate of 6.875%. The current UPB is $653,465.21. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $653,465.21.<br> As per the seller's tape, the subject property is owner-occupied.<br> As per the seller's tape, the loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 5.33 years at xx<br> BWR2 receives social security income. <br> BWR3 receives social security, pension and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> Transmittal (xx) | xx | 3: Curable |  | \* xxreport show the loan exceed the point & fees threshold test due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX. Further details not provided."<br> \* Transmittal (xx) is xxtransmittal summary is missing from the loan documents." | \* xxloan failed the TRID rate lock disclosure delivery date test. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX,XXX.XX.<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX,XXX.XX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Not Covered | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3956.00 | 01/21/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $981.43 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 771 | Not Applicable | 49.748% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a state tax warrant against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water charges for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,612.14 (xx), which was applied for the due date of xx/xx/2026. The current xxis $981.43 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $208,866.80. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB, reflected as per the payment history, is $208,866.80.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 9.16 years at xx, PLLC.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows SE income used for qualification is not supported by the required xxmonths of business bank statements. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X.XX years at xx, PLLC, FICO XXX, and $XXK equity in the subject. XXXX last XX months."<br> \* Loan does not conform to program guidelines (xxshows the rate is too low to refinance. Further details not provided. The subject loan originated on xx/xx/XXXX and FICO XXX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by xx, and its recommendation is accept with a DTI of XX%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1976.00 | 01/07/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $428.02 | 3.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 783 | Not Applicable | 47.004% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a prior mortgage against the subject property, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with instrument # xx. As per the subordination agreement located at Ln #xx, page #xx, this prior mortgage was subordinated to the subject mortgage.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $428.02 (xx), which was applied for the due date of xx/xx/2026. The current xxis $428.02 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $83,667.20.<br>| Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $83,667.20.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property has been occupied by an investor.<br> BWR has 11.50 years on the job as a financial analyst with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxagreement is missing from the loan document. Seller confirmed rental income was not used to qualify." | \* Loan does not conform to program guidelines (xxsubject loan closed with xx.XX%/XX.XX%/XX.XX%. Tape and file show the lender did not include the high-credit loan amount of $xx for the HELOC loan, resulting in the HLTV of XX.XX% exceeding guideline limits." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1778.00 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $596.25 | 5.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 801 | Not Applicable | 33.407% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $958.33 (xx), which was applied for the due date of xx/xx/2026. The current xxis $596.25 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $102,722.79.<br>| Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $102,722.79.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 8 months on the job as a technician with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* AUS is missing (xxis missing from the loan file." | \* Loan does not conform to program guidelines (xxshows the rate is too low to refinance, and the subject loan lost PIW approval in the AUS when the AUS was resubmitted with the correct loan amount. Further details not provided." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects transfer taxes at $XX.XX. xxdated xx/xx/XXXX reflects transfer taxes at $XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2444.00 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $507.31 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 659 | Not Applicable | 43.362% | First | Final policy | Not Applicable | Not Applicable | 11/12/2024 | $119881.86 | Not Applicable | 3.375% | $455.47 | 12/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior credit card judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX. <br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. Unable to determine the last payment received. The current xxis $507.31 with an interest rate of 3.375%. The current UPB reflected as per the tape data is $114,750.00. | Collections Comments:The current status of the loan is performing.<br> According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $114,750.00.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 9 months on the job as a habilitation training specialist at xx. BWR had multiple jobs in the last 2 years. Additionally, BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2024. As per the modified term, the new principal balance is $119,881.86. The monthly xxis $455.47 with an interest rate of 3.375% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no deferred balance and principal forgiven amount. The loan has been modified for the first time since origination.<br>| Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows income calculation issue. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X months on the job as a habilitation training specialist at xx, FICO XXX and $xx equity in the subject."<br> \* xxloan failed the TRID rate lock disclosure delivery date test."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3902.00 | 01/07/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $990.14 | 3.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 682 | 675 | 40.179% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are six state tax warrants in favor of the xx, which were recorded on different dates and with different warrant IDs, in the total amount of $XX,XXX.XX. xx.<br> There are two hospital liens against the borrower xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $X,XXX.XX. <br> There is a civil judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XXX. <br> There are three credit card judgments against the borrower xx, which were recorded on different dates, in the total amount of $XX,XXX.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,600.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $990.14 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $201,424.10.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $201,424.10.<br> Unable to determine the reason for default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> BWR1 has 9 months on the job as a legal assistant with xx.<br> BWR1 had prior employment experience as an executive assistant with xx.58 years.<br> BWR2 was qualified using an offer letter as a quality control at xx. BWR2 had prior employment experience as a quality control with xx.41 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxtape shows the subject loan is not insured." |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows employment misrepresentation by BWR and income miscalculation. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X months on the job as a legal assistant with xx. BWRX was qualified using an offer letter as a quality control at xx, FICO XXX, and $XXK equity in the subject."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3580.00 | 01/07/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $798.68 | 2.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 724 | Not Applicable | 44.797% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,375.02(xx), which was applied for the due date of xx/xx/2026. The current xxis $798.68 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $136,662.32. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $136,662.32.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.0 year on the job as a production operator at xx. BWR has prior employment experience as an associate with xx.33 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the rate is too low to refinance, and the homebuyer education certificate was not HUD approved. Further details not provided." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect xx.xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $X,XXX.XX, and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by xxpg#xx, and its recommendation is "xxwith a DTI of XX.XX%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1773.15 | 01/21/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3071.85 | 6.500% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 778 | 744 | 23.536% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,429.28 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,071.85 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $482,417.84. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $482,417.84.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR2 has 9 years on the job as a director at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan was unsellable due to an error in the use of bonus entitlement, as the BWR has $X base entitlement, which cannot be restored due to retention of the existing VA property. Subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxsubject loan has a single-premium MI plan and full amount for xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $8013.00 | 01/29/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1582.81 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 787 | Not Applicable | 23.936% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of xxamount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx. As per the subordination agreement located at Ln#xx, this mortgage was subordinated to the subject mortgage.<br> There is an active junior mortgage against the subject property in favor of xxamount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument #xx.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,491.06 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,582.81 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $342,985.26. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $342,985.26.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> Unable to determine the reason for default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has been SE for 11.5 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxfile show the loan was rejected as the appraisal expired prior to closing. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows the subject closed with xx. Lender defect. The subject loan originated on xx/xx/XXXX. BWR has been SE for XX.X years at xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID xx<br> \* XX TRID xxfailed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and Recording fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of xxfee at $X,XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3463.00 | 01/21/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1183.08 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 676 | 786 | 44.799% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx.<br> There are no active judgments or liens that have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX have been delinquent in the amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,800.00 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,183.08 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $190,165.04. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $190,165.04.<br> As per the seller's tape, the subject property is owner-occupied.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.08 years on the job as an xx.<br> BWR2 receives social security income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxshows APR increased by X.XXX% without a three-day waiting period. Infinity compliance report failed the delivery and timing test. Further details were not provided." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. xxdated XX/XX/XXX reflects xx,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, the borrower xx,XXX.XX, and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx, and its recommendation is "Accept" with a DTI of XX.XX%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 01/05/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1670.39 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 700 | Not Applicable | 49.930% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The taxes are to follow. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,013.78 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,670.39 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $235,484.32.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $235,484.32.<br> As per the tape data, the subject property occupancy is stated as an investor.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 12.25 years at TFYNN, xx, BWR has been SE for 2.58 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxlease agreement is missing from the loan documents"<br> \* xxloan is xxtape shows the condo is not agency approved. Further details not provided. The condo questionnaire is available in the loan file. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $253.74 | 12/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2236.48 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 793 | 792 | 29.689% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are X active prior hospital liens against the borrower xx, which were recorded on different dates, in the total amount of $XX,XXX.XX.<br> There is a junior hospital lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> The annual county taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,236.48 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,236.48 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $333,952.90. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $333,952.90.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.58 years on the job as a pilot—first officer at xx.<br> BWR2 has 6.25 years on the job as a nurse practitioner at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxshows property is NOO due to misrepresentation. Further details were not provided. Elevated for client review." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a pilot—first officer at xx. BWRX has X.XX years on the job as a nurse practitioner at xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5231.88 | 12/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3015.98 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 4 Family | xx | xx | Primary | Yes | Yes | No | 746 | 726 | 49.680% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installments of county taxes for XXXX-XXXX have been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,608.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,015.98 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $460,004.28. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $460,004.28.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 10.16 years on the job as a manager with xx. <br> BWR2 has 1 month on the job as a senior manager with xx. Previously, BWR2 had 3.08 years on the job as a senior manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject is NOO, due to misrepresentation. Further details not provided. Elevated for client review." | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Tape also shows BWR income was not supported. Review shows WXs and assets docs are in file. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has XX.XX years on the job as a manager with xx. BWRX has X month on the job as a senior manager with xx, FICO XXX, and $XXXK equity in the subject."<br> \* xxloan failed the TRID rate lock disclosure delivery date test. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | No | Yes | Not Applicable | First |  | $0.00 | $1589.81 | 01/05/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $985.39 | 6.875% | 360 |  | xx | xx |  | Commercial | Fixed |  | Refinance | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Yes | No | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a Delaware limited liability company.<br> There are no active judgments or liens that have been found.<br> The Xst installment of county taxes for XXXX/XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX/XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,146.13 (xx), which was applied for the due date of xx/xx/2026. The current xxis $985.39 with an interest rate of 6.875%. The current UPB is $148,839.52. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $148,839.52.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> The subject closed as a fix and flip loan. <br> The subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Guideline is missing (xxis a manual underwritten loan. Reaching out to the seller for the guidelines."<br> \* xxis missing (xxagreement is missing from the loan file. Seller confirmed standalone lease agreement is not available as the lease agreement is incorporated in the security instrument."<br> \* xxapproval is missing from the loan file.<br> xx/xx/XXXX : Seller confirmed, loan is commercial and loan approval is not required." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5328.03 | 01/09/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6053.09 | 8.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 641 | Not Applicable | 23.193% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $8,233.51 (xx), which was applied for the due date of xx/xx/2026. The current xxis $6,053.09 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $795,389.55. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $795,389.55.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> BWR has been SE for 11.16 years at the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* xxshows the subject loan is an HPML loan, and the appraisal ordered was not delivered X days prior to closing. Further details not provided. xxreport shows the loan failed HPML test."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* xxdated xx/xx/XXXX is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx)." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4643.08 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4060.39 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 676 | Not Applicable | 2.670% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX are delinquent in the amount of $XX.XX, which is good through xx/xx/XXXX.<br>| The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2026. According to payment history as of xx/xx/2026, the next due date is xx/xx/2026. The current xxis $4,060.39 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $560,000.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2026. According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $560,000.00.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 5.41 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxreport show the subject loan is an HPML loan, and the appraisal was not delivered X days prior to closing. Further details not provided."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* xxtest xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4990.63 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1554.02 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 647 | Not Applicable | 49.043% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual school taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,096.83 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,554.02 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $224,828.79.<br>| Collections Comments:According to servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $224,828.79.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape, the subject property is owner-occupied.<br> BWR has 2.5 years on the job as a real estate agent at xx. Additionally, BWR receives child support income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* xxreview of the file show the lender did not provide the final CD and TRID disclosure at closing. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* xxfails xxpublic guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX.<br>Loan fails xxpoints and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* xxmissing or unsigned (xxmissing final executed xxwas tested based on revised CD." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5048.12 | 12/26/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2949.27 | 8.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 711 | 703 | 37.449% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst annual installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,445.81 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,949.27 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $387,783.82. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $387,783.82.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR1 has 6 months on the job as a salesman at xx. Previously, BWR1 had 2 years on the job as an outside sales representative at xx. <br> BWR2 has 9.83 years on the job as a senior medical billing processor at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxshows the subject loan is an HPML loan, and the appraisal ordered was not delivered X days prior to closing. Further details not provided."<br> \* xxfailed the xxpublic guidelines) xxthreshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed the qualified mortgage APR threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%."<br> \* xxis missing. (xxcounseling organizations disclosure is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxallowed the loan to close with xx. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx, BWR X is employed with xx. xx.XX years, FICO XXX, $X,XXX residual income, and $XX.XK equity in the subject property.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH."<br> \* xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%." |  | Elevated | Pass | Pass | No Result | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11564.20 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $9916.82 | 8.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 786 | Not Applicable | 46.339% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $11,348.98 (xx), which was applied for the due date of xx/xx/2026. The current xxis $9,916.82 with an interest rate of 8.625%. The current UPB reflected as per the payment history is $1,274,247.24. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $1,274,247.24.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been xx.25 years and at xx.83 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Transmittal (xx) | xx | 3: Curable |  | \* xxfile show the subject loan is HPML, and the appraisal value was changed, and the revised appraisal was not delivered X days prior to closing. Loan failed the HPML test by xxdetails not provided. Subject originated on xx/xx/XXXX."<br> \* xxloan failed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* xxclosing disclosure is missing from the loan documents."<br> \* xxappraisal at $X.Xxxshows value change on appraisal. xxshow the sales price of $X.XM is more likely in line with the value. Subject loan originated at $X.XXXM."<br> \* Transmittal (xx) is xxsummary is missing from the loan documents." | \* xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed the qualified mortgage APR threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5812.38 | 12/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1591.63 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 798 | Not Applicable | 37.846% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior civil judgment against the borrower, xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX-XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,086.15 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,591.63 with an interest rate of 2.99%. The current UPB reflected as per the payment history is $333,735.51. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $333,735.51.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3 years on the job as senior manager of communication planning at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* xxis not active (xxshows the MI was cancelled due to the subject loan having a single premium LPMI that was never paid." |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID rate lock disclosure delivery date test.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* XX TRID xxfailed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and Recording fee at $X,XXX.XX. xxdated xx/xx/XXXX reflects the sum of xxfee at $X,XXX.XX. This is a cumulative increase of $XXX.XX for charges that in total cannot increase more than XX% test. COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxservice providers list is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $4448.79 | 01/13/2026 | Not Applicable | Not Applicable | Not Applicable | Chapter 11 | xx | Not Applicable | No | xx | Not Applicable | $1235.00 | 13.000% | 12 |  | xx | xx |  | Commercial | Fixed |  | Purchase | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Commercial Prop | xx | xx | Investor | Yes | Yes | Yes | 625 | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | 11/09/2022 | $223600.00 | Not Applicable | 5.000% | $1078.19 | 12/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a Delaware corporation.<br> There is an active junior mortgage against the subject property in favor of xx, a Florida corporation, in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument #xx. This junior mortgage has started the foreclosure.<br> There is a notice of citation (xx) against the borrower xx and xx, which was recorded on xx/xx/XXXX. The judgment amount is not mentioned on the document.<br> There are two code enforcement liens against the subject property in favor of the xx, Florida, and the xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $XX,XXX.XX.<br> There is a notice of violation (xx) against the subject property in favor of the xx, which was recorded on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,078.19 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,078.19 with an interest rate of 5.000%. The current UPB reflected as per the payment history is $217,751.58. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $217,751.58.<br> As per the tape, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2022.<br> No foreclosure activity has been found.<br> xx, the borrower, xx xx, filed bankruptcy under Chapter 11 with the case #xx. xxwas terminated on xx/xx/2023.<br> BWR is an LLC and the subject loan was approved as DSCR.<br> Foreclosure Comments:Not Applicable<br> xx, the borrower, xx xx, filed bankruptcy under Chapter 11 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $134,403.00. The unsecured portion is $77,396.33. xxwas filed by the creditor, xx, on xx/xx/2022, with the secured claim amount of $xx and the arrearage amount of $0.00. xxplan was filed on xx/xx/2022 and confirmed on xx/xx/2023. The borrower xx,580.36. There is no comment indicating a cramdown. xxwas terminated on xx/xx/2023. | The modification agreement was made between the borrower, xx xx, a xx, and the lender, xx, on xx/xx/2022. As per the modified term, the new principal balance is $223,600.00. The monthly xxis $1,078.19 with an interest rate of 5.000% beginning on xx/xx/2022 and a maturity date of xx/xx/2062. There is no deferred balance or principal forgiven amount. | xx<br> xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xx) located at "Ln#xx. The document shows property structure repair of fencing found to be unsafe in the provision of section X-X of the code of xx, which is recorded on xx/xx/XXXX. The cost of repair is not available. The alert note shows the possibility of demolition or property being demolished. CCs do not show any information regarding demolished property." | \* Loan does not conform to program guidelines (xx)&nbsp;&nbsp;&nbsp;&nbsp; "BWR is an xxmortgage were signed as a member of the LLC, not as an individual. Loan does have a personal guarantee."<br> \* xxlost note affidavit available in the file located at "XXXXXXXXXX - LNA_XX.XX.XXXX" shows that the original note has been misplaced, destroyed or lost. A duplicate copy of the note is available in the loan file located at "xx<br> \* xxsubject is NOO and qualified using DSCR, and the net operating income statement and rent schedule are missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7653.58 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1434.90 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 719 | 820 | 49.920% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> Parcel #xx<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| The loan originated on xx/xx/2025 and first payment date is xx/xx/2026. According to tape data as of xx/xx/2025, the borrower xx. The first payment is due for xx/xx/2026. The current xxis $1,434.90 with an interest rate of 6.3750%. The current UPB reflected as per the payment history tape data is $230,000.00. | Collections Comments:The current status of the loan is performing.<br> According to tape data as of xx/xx/2025, the borrower xx. The current UPB reflected as per the payment history tape data is $230,000.00.<br> As per seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR2 has 4.83 years on the job as a manager with xx.<br> Additionally, BWR2 has been SE for 6.58 years at xx<br> BWR3 has been SE for 22.5 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxviolations (xxper the document tracker, the revised closing disclosure dated xx/xx/XXXX is missing from the loan documents."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points—loan discount fee. xxdated xx/xx/XXXX reflects points—loan discount fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL is X year."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxtape and appraisal report subject property is not a site condominium according to xx, as the two units are attached to each other. As such, each unit would require its own parcel number. Subject loan closed as X-unit property with one legal in a condo project. Further details not provided." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5370.55 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2404.05 | 8.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 623 | 620 | 44.157% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water charges for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2026. According to the tape, as of xx/xx/2026, the next due date is xx/xx/2026. The current xxis $2404.05 with an interest rate of 8.250%. The current UPB reflected as per the tape is $320,000.00. | Collections Comments:The current status of the loan is performing.<br> According to the tape, as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the tape is $320,000.00.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 18.25 years on the job as a deputy director at the xx<br> BWR2 has 1.5 years on the job as a division administrator at the xx, BWR2 had 2.16 years on the job as a director at xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxreport show the loan did not pass the xxtest due to an APR calculated at X.XXX%, which exceeded the APR threshold of X.XXX% by +X.XXX%."<br> \* xxfailed xxpublic guidelines) xxtest due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed xxtest due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* xxis "xxloan failed the initial closing disclosure delivery date test due to the initial CD receipt date is provided and the initial closing disclosure receipt date is less than three business<br> days before the consummation date."<br> \* xxtest xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx).<br>Loan failed xxthreshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1036.48 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $646.62 | 3.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 691 | 716 | 34.669% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active UCC financing statement against the subject property in favor of xx, N.A., which was recorded on xx/xx/XXXX.<br> The annual county taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $973.05 (xx), which was applied for the due date of xx/xx/2026. The current xxis $646.62 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $130,270.18.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $130,270.18.<br> The loan has not been modified since origination.<br> As per tape, the subject property is owner-occupied.<br> No information has been found related to damage or repairs.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 9 months on the job as a clinical medical assistant at xx. BWR1 had multiple jobs in the last 2 years.<br> BWR2 has been SE for 29 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxfile show the subject closed without an appraisal. PIW was lost on the final AUS run. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape reflects an increased DTI of XX.XX%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X months on the job as a clinical medical assistant at xx. BWRX has been SE for XX years at xx, FICO XXX, XXXX in the last XX months, and $X,XXX residual income."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $13294.95 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1232.23 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 674 | Not Applicable | 20.873% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of xx, a federal credit union, in the amount of $xx which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with the instrument #xx.<br> The Xst installment of combined taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,669.22 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,232.23 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $252,112.03. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $252,112.03.<br> As per tape data, the subject property is owner occupied.<br> No comment related to damage or repair is found in the servicing comments.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 15.08 years on the job as a correction officer at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> Transmittal (xx) | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject is NOO due to occupancy concern. Further details not provided. Elevated for client review." |  | \* Appraisal incomplete (xx) (xx) is xxsummary is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10848.08 | 01/05/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1381.68 | 2.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 814 | Not Applicable | 18.924% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of combined taxes for XXXX-XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX-XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,537.82 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,381.68 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $304,422.48. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $304,422.48.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows collateral defect. Review of file and UT do not show a collateral issue." | \* ATR - Unable to determine borrower's xxapproved at XX.XXX%. Tape shows lender missed an investor overlay. Further details not provided. Lender defect. Subject originated X/XX/XX and the X year SOL has expired. BWR is on SSI and pension income. FICO XXX. XXXX last XX months."<br> \* xxloan failed the TRID rate lock disclosure delivery date test. The subject is a purchase case originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7534.57 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1628.90 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Secondary | Yes | Yes | No | 795 | 796 | 37.839% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book #xx, page #xx, in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,256.78 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,628.90 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $334,323.93. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $334,323.93.<br> As per the tape, the occupancy of the subject property is stated as second home.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 2 years on the job as an environmental engineer with xx. <br> BWR2 has 14.66 years on the job as a pharmacy manager with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxsubject is second home. Tape shows the subject is a condotel at the xxproject, located in the city of xxproject has amenities such as a swimming pool and common areas. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1220.27 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2246.95 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 752 | Not Applicable | 26.885% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of combined taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,978.96 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,246.95 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $466,301.14. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB, reflected as per the payment history, is $466,301.14.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE as a sales executive for 2.66 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows collateral issue. Review of file and UT does not show a collateral issue" |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $0.00 | 12/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2324.12 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Co-op | xx | xx | Primary | Yes | Yes | No | 698 | 674 | 45.170% | First | Unavailable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The subject property is co-operative.<br> According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX in the amount of $xx with xx.<br> There is a junior UCC mortgage against the subject property originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> The annual installment of Borough taxes for XXXX has been exempt.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,324.12 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,324.12 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $334,674.28. | Collections Comments:According to the tape data, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB, reflected as per the payment history, is $334,674.28.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 29.41 years on the job as a special education teacher with xx.<br> Additionally, BWR1 has 21.75 years on the job as a teacher - per session with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxis xxsubject loan originated on xx/xx/XXXX with a maturity date of xx/xx/XXXX. As per the lease agreement located at "xx," the ground lease is held by xx, a xxcorporation, and the leasehold expires on xx/xx/XXXX." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $0.00 | 12/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $790.32 | 3.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Co-op | xx | xx | Primary | Yes | Yes | No | 691 | Not Applicable | 44.433% | First | Unavailable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The subject property is a unit in a co-op.<br> According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX in the amount of $xx<br> There is an active UCC mortgage against the subject property in favor of MERS as nominee for xx. (xx), as Nominee for xx., ISAOA, which was originated and recorded on xx/xx/XXXX with the instrument #xx.<br> The annual installment of county taxes for XXXX has been exempt. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $790.32 (xx), which was applied for the due date of xx/xx/2026. The current xxis $790.32 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $145,684.86. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $145,684.86.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1 year on the job as a licensed professional nurse at xx. BWR had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> Transmittal (xx) | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows co-op property and no defects. Further details not provided."<br> \* xxis xxalert note of a UT report dated xx/xx/XXXX shows that the property is a unit in a co-operative. The subject loan originated on xx/xx/XXXX with a maturity date of xx/xx/XXXX. The subject leasehold agreement is in the file located at "xx pg#xx," and the leasehold term expires on xx/xx/XXXX." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx.XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xx) is xxfinal transmittal summary is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7721.91 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2176.11 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 798 | Not Applicable | 44.523% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual school taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual utilities/MUD taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the tape data as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. Unable to determine the last payment received date. The current xxis $2,176.11 with an interest rate of 7.125%. The current UPB reflected as per the tape data is $313,444.24. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to tape data as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $313,444.24.<br> As per the servicing comment dated xx/xx/2024, the borrower xx,836.80 on xx/xx/2024. The type of damage and amount are not available. Unable to confirm the status of repairs. Subsequent comments do not show any damage.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives pension and VA benefits income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review."<br> \* xxis not active (xxshows the MI was rescinded." |  | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses, and PMI was rescinded. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives pension and VA benefits income. FICO XXX, and XXXX in the last XX months and $XXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $4836.80 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2906.26 | 01/08/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1185.58 | 6.490% | 300 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 699 | Not Applicable | 51.374% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active prior civil judgment against xx, in favor of xx, N.A., in the amount of $xx which was recorded on xx/xx/XXXX. The name of the defendant mentioned on supportive documents is inconsistent with the borrower's name.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual school taxes for XXXX/XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,800.03 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,185.58 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $175,514.93. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $175,514.93.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.83 years on the job as a xx, BWR had 1.66 years on the job as a youth support specialist at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Loan does not conform to program guidelines (xxshows the loan closed without required PMI coverage and was never traded. Further details not provided. Subject originated on xx/xx/XXXX." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9881.10 | 01/15/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5856.48 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 700 | Not Applicable | 11.126% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior child support lien against the borrower xx, which was recorded on xx/xx/XXXX. The supportive document does not reflect the lien amount.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $7,087.15 (xx), which was applied for the due date of xx/xx/2026. The current xxis $5,856.48 with an interest rate of 7.250%. The current UPB is $855,796.78. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $855,796.78.<br> As per the seller's tape, the subject property is owner-occupied.<br> No comment related to damage or repair is found in the servicing comments.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has been SE for 5.50 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Assets do not meet guidelines (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete due to the initial CD is missing from loan documents. The subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* xxinitial closing disclosure is missing from the loan file."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4103.44 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $741.09 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | Not Applicable | Not Applicable | 0.000% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior credit card judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,225.09 (xx), which was applied for the due date of xx/xx/2026. The current xxis $741.09 with an interest rate of 7.125%. The current UPB is $109,734.54. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $109,734.54.<br> The loan has not been modified since origination.<br> As per the seller's tape, the subject property occupancy is stated as investor. <br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xx), and the loan amount is below the investor minimum requirement. Further details not provided. The subject loan originated on xx/xx/XXXX and XXXX since inception." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11255.69 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1528.20 | 4.990% | 360 |  | xx | xx |  | VA | ARM |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 802 | Not Applicable | 40.253% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026, in the amount of $2,695.31 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,528.20 with an interest rate of 4.990%. The current UPB is $284,656.93. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $284,656.93.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 16.41 years at xx, BWR receives VA benefits income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show a first-rate change date of xx/xx/XXXX on the subject loan, which is not according to GNMA guidelines of a quarterly schedule of April, July, October, or January for the first-rate change date. Further details not provided. According to the note, the payment can adjust after every XX months after xx/xx/XXXX. Subject loan originated on xx/xx/XXXX and FICO XXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1942.56 | 12/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2060.90 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 798 | 804 | 49.504% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> The Xst and Xnd installments of combined taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,418.96 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,060.90 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $301,267.44. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $301,267.44.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br>BWR1 has been SE as a constructor for 6.41 years.<br> BWR2 has 14.41 years on the job as a housekeeper with xx. Sills.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxused SE average when income declined from XXXX to XXXX. xx.XX%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is xxminimum of X years. BWR X is employed as a xx.X years, FICO XXX, $X,XXX residual income, XXXX since inception.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH."<br> \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $XXX.XX."<br> \* xxfailed the TRID rate lock disclosure delivery date test." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2631.36 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2538.15 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 777 | 699 | 48.940% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst & Xnd installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX & xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,933.31 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,538.15 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $359,942.24. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $359,942.24.<br> As per the tape data, the subject property is second home.<br> No comment related to damage or repair is found in the servicing comments.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.66 years on the job as a staff engineer FBG with xx. Previously, BWR1 had 2.08 years on the job as a senior software engineer with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxsubject loan closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape reflects an increased DTI of XX.XX%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a staff engineer FBG with xx. Previously, BWRX had X.XX years on the job as a senior software engineer with xx, FICO XXX, XXXX since inception and $X,XXX residual income. Review shows ATR confirmed." |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5977.68 | 12/26/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1376.67 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 733 | Not Applicable | 34.903% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx.<br> There are no active judgments or liens that have been found.<br> The Xst and Xnd installments of combined taxes for XXXX/XXXX/XXXX have been paid in the total amount of $xx on different dates. <br> The annual water charges for XXXX have been delinquent in the amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,988.35 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,376.67 with an interest rate of 6.625%. The current UPB is $211,843.23. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $211,843.23.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 31.83 years on the job as a manager of enterprise site information technology at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10768.49 | 01/05/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5235.96 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 745 | 807 | 46.334% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.XXX in the amount of $xx with xx.<br> There are four prior credit card judgments against the borrower xx,XXX.XX, which were recorded on different dates. <br> There are two prior civil judgments against the borrower xx and xxtotal amount of $X,XXX.XX, which were recorded on xx/xx/XXXX and xx/xx/XXXX. <br> There is an active prior state tax lien against the borrower xx.XX, which was recorded on xx/xx/XXXX. <br> The first and second installments of county taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $6,337.25 (xx), which was applied for the due date of xx/xx/2026. The current xxis $5,235.96 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $770,203.41. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $770,203.41.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 26.58 years on the job as a forklift driver at xx.<br> BWR2 has 9 months on the job as a cleaner at xx. Additionally, BWR2 has 1.25 years on the second job as a cleaner at xx.<br> BWR3 has 2.83 years on the job as a janitorial cleaner at xx. Additionally, BWR3 has 15.33 years on the second job as a maintenance worker at xx. xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxused rental income to qualify and the lease agreement is missing from the loan file. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx.X years, BWR X is employed as a Cleaner with xx.X years, BWR X is employed with xx.X years and a Xnd job with xx.X years, FICO XXX, $X,XXX residual income, $XXX.XK reserves and $XXX.XK equity in the subject property, XXXX since inception." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5160.19 | 01/01/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1916.39 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 726 | Not Applicable | 46.176% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to tape as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,916.39 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,916.39 with an interest rate of 5.990%. The current UPB reflected as per the tape data is $314,677.78. | Collections Comments:The current status of the loan is performing.<br> According to tape as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $314,677.78.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 26.25 years on the job as a vice president of budget administration at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xx). xxreflects seller credit of $XXxxdetails not provided." | \* xxloan failed the TRID rate lock disclosure delivery date test.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10836.54 | 01/01/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1769.48 | 4.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 796 | 730 | 41.081% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual utilities/MUD taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,637.41 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,769.48 with an interest rate of 4.990%. The current UPB reflected as per the tape is $324,703.07. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the tape is $324,703.07.<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 5.41 years on the job as a telemetry technician with xx.<br> BWR2 has 2.91 years on the job as a construction manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxshows property is NOO due to the subject property was listed for rent soon after closing. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's xxsubject loan was approved as OO at XX.XX%. Tape shows subject is NOO, as the subject property was listed for rent soon after closing, causing the lender to omit the BWR primary housing expense. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a telemetry technician with xx. BWRX has X.XX years on the job as a construction manager with xx, FICO XXX, and $XXK equity in the subject."<br> \* xxloan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, any other interest rate-dependent charges, and terms were not provided to the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable | Unavailable | Unavailable | Unavailable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2827.22 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1207.11 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 787 | Not Applicable | 37.100% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst installment of utilities/MUD charges for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of utilities/MUD charges for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,207.11, which was applied for the due date of xx/xx/2026. The current xxis $1,207.11 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $181,838.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $181,838.00.<br> As per the comment dated xx/xx/2025, the reason for the default is servicing problems.<br> The appraisal report is as-is. Tape and file show the appraisal report should be subject to repairs due to missing flooring in the kitchen, dining room, living area, bedrooms, and laundry room, as well as unfinished walls with exposed sheetrock in the living area, dining room, and laundry room. The estimated cost to cure is $4,000. CCs do not show damages.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property occupancy is stated as an investor.<br> BWR has 12.5 years on the job as a control engineer at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxappraisal report is as-is. Tape and file show the appraisal report should be subject to repairs due to missing flooring in the kitchen, dining room, living area, bedrooms, and laundry room, as well as unfinished walls with exposed sheetrock in the living area, dining room, and laundry room. The estimated cost to cure is $X,XXX. XXXXD/completion report is missing from the loan documents, and the final CD does not reflect the escrow holdback." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2292.79 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1122.97 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 800 | Not Applicable | 43.704% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,524.49 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,122.97 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $179,497.17.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB, reflected as per the payment history, is $179,497.17.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7 months on the job as a CNA at xx. Also, BWR has 1 month on the job as a CNA at xx. BWR had multiple jobs in the last 2 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxfailed the TRID rate lock disclosure delivery date test."<br> \* xxloan failed the xxcoverage conflict validation test." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows BWR was not employed at closing. xxis XX.XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a CNA at xx, FICO XXX, and XXXX since inception." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2655.66 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1708.01 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | No | Yes | 801 | 801 | 37.250% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior mortgage in the amount of $xx which was recorded on xx/xx/XXXX in favor of xx, a xx, acting by and through the xx<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,061.60 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,708.01 with an interest rate of 6.875%. The current UPB is $256,111.57. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx and the next due date is xx/xx/2026. The current UPB is $256,111.57.<br> As per the seller's tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 8.58 years on the job as an installer at xx.<br> BWR2 has 4.58 years on the job as a teacher with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxtape and condo questionnaire in the file show the subject condo project has a planned special assessment of $xx for roof repairs and painting. xxassociation shows assessment is not only for roof repairs and painting but also for concrete restoration. An engineer inspection report from a licensed professional verifying the completion of repairs and structural integrity of the condo project is missing from the loan documents. Also, the questionnaire does not confirm if the HOA is involved in active litigation. Elevated for client review." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6945.78 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2032.76 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 746 | Not Applicable | 30.096% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water/sewer charges for XXXX is due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,381.68 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,032.76 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $417,974.63.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $417,974.63.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 1.58 years at xx, xx, BWR had 8 months on the job as a director of events at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX%. Tape shows income misrepresentation. xxis XX.XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X.XX years at xx, FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and $X,XXX residual income."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect points - loan discount fee. The final CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6735.54 | 11/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2764.76 | 8.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 735 | 746 | 46.228% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, L.P.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual city taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual school taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,226.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,764.76 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $358,130.57.  | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $358,130.57.<br> The loan has not been modified since origination.<br> As per the servicing comment dated xx/xx/2025, the reason for default is the death of the borrower's family member.<br> As per the tape data, the subject property is non-owner occupied. <br> No damage or repair information was found in the collection comments. <br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/2024, there is a payment dispute. Further details not found.<br> BWR1 has 3 years on the job as an associate with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows EPD; the borrower xx, triggering repurchase. The loan was XxXX and has been current since X/X/XX. Further details not provided. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $3452.11 | 01/06/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1028.78 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 766 | Not Applicable | 42.238% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,583.78 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,028.78 with an interest rate of 7.625%. The current UPB is $144,817.27. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $144,817.27. <br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2 years on the job as a dentist with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan is NOO and approved at XX.XX%. Tape shows LOE missing for primary residence, supporting documents for rental income from REO properties are missing, and student loan debt was not included in the DTI calculation. xxis XX.XX%. Further details are not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X years on the job as a dentist with xx, FICO XXX, $XXK equity in the subject, and $X,XXX residual income." | \* xxis missing (xxagreement is missing from the loan file. Subject is an NOO purchase." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $21991.80 | $6470.10 | 01/23/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2612.50 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 782 | Not Applicable | 41.466% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a prior civil judgment against xxfavor of the xx, xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX. xx.<br> The Xst installment of county taxes for XXXX/XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX/XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The XXXX to XXXX supplemental other taxes have been delinquent in the amount of $xx which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,422.33 (xx), which was applied for the due date of xx/xx/2026. The current payment is $2,612.50 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $456,000.00. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $456,000.00.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br> BWR has been SE for 5.83 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan was disclosed with an interest-only option. Review of the file shows the executed note did not include the corresponding interest-only provision. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $1748.59 | $2126.14 | 01/05/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2221.05 | 7.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 620 | 696 | 54.851% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx.<br> There is one active UCC lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX.<br> There is a notice of an independent solar energy producer contract xx PG#xx, unless terminated or extended, recorded on xx/xx/XXXX that runs with the property.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst and Xnd installments of supplemental county taxes for XXXX have been delinquent in the total amount of $X,XXX.XX, which is good through xx/xx/XXXX. <br> The annual supplemental county taxes for XXXX have been delinquent in the total amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,759.53 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,221.05 with an interest rate of 7.000%. The current UPB is $330,156.41. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $330,156.41.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 6.08 years on the job as a licensed vocational nurse at xx. Additionally, BWR1 has 10 years on the job as a licensed vocational nurse at xx, and BWR1 receives social security income. BWR2 has 2 months on the job as a restorative nursing assistant at xx. Previously, BWR2 had multiple jobs in the last two years in the same line of work.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* MI, xxmissing and required (xxmortgage insurance certificate is missing from the loan documents." | \* xxreview of the loan file show that the subject property is a flip. The appraisal report shows the last sale was held on xx/xx/XXXX at a sales price of $XXXxx/xx/XXXX, the subject property's appraised value is $XXXK and the purchase price for the subject transaction that closed on XX/XX/XX is $XXXxxshows major improvements performed on the house. Further details were not provided. xxsearch reflects an estimated value of $XXXxxcurrent UPB is $XXXK." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8116.47 | 01/08/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2995.41 | 5.437% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 749 | Not Applicable | 42.477% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the total amount of $XXX.XX, which is due on xx/xx/XXXX.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,948.41 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,995.41 with an interest rate of 5.437%. The current UPB is $506,211.69. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $506,211.69.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has been SE for 5.82 years as a soccer coach at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxshows property is NOO due to misrepresentation as BWR never occupied the subject. Further details were not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's xxsubject loan approved at XX.XX%. Tape shows the subject is NOO due to income misrepresentation as BWR never occupied the subject. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X.XX years as a soccer coach at xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | No | Yes | Not Applicable | First |  | $0.00 | $2114.64 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1667.24 | 6.937% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 743 | 747 | 39.310% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of utility charges for XXXX have been paid in the amount of $X.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,155.22 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,667.24 with an interest rate of 6.937%. The current UPB reflected as per the payment history is $245,935.11. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $245,935.11.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No comment related to damage or repair is found in the servicing comments.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.91 years on the job as a coach/athlete with xx. Additionally, BWR1 has 8.33 years on the job as an athlete with xx.<br> BWR2 has 3.33 years on the job as a project leader IV with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows lender did not verify the BWR was not employed at closing and became SE after moving from xxdefect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a coach/athlete with xx. Additionally, BWRX has X.XX years on the job as an athlete with xx. BWRX has X.XX years on the job as a project leader IV with xx, FICO XXX, XXXX since inception, and $XXK equity in the subject."<br> \* Cash out purchase (xxsubject loan is purchase case. xxreflects cash to in the amount of $X,XXX.XX."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. xxdated xx/xx/XXXX reflects transfer taxes at $X,XXX. This is fee increase of $XX.XX charges that cannot increase. xxincrease in fee amount is missing in the loan documents. <br>Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and Recording fee at $XXX.XX. CD dated xx/xx/XXXX reflects the sum of xxfee at $XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents.<br>Subject loan is purchase case, originated on xx/xx/XXXX and the SOL is X year expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2102.87 | 12/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $420.19 | 5.562% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 693 | Not Applicable | 42.113% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of school taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $846.06 (xx), which was applied for the due date of xx/xx/2026. The current xxis $420.19 with an interest rate of 5.562%. The current UPB reflected as per the payment history is $72,521.08.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $72,521.08.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> BWR has 16.41 years on the job as a department of motor vehicles representative with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID rate lock disclosure delivery date test. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. xxdated xx/xx/XXXX reflects the points and loan discount fee at $XXX.XX. xxdated xx/xx/XXXX reflects points—loan discount fee at $XXX.XX. xxdated xx/xx/XXXX reflects transfer taxes of $XXX.XX. xxdated xx/xx/XXXX reflects transfer taxes of $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xx); loan closed xx/xx/XXXX, Xst payment xx/xx/XXXX. Further details not provided."<br> \* Loan has escrow holdback. No proof it was released (xxfinal CD dated xx/xx/XXXX reflects an escrow holdback in the amount of $X,XXX.XX. Proof for the release of escrow holdback is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1376.05 | 12/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3139.21 | 7.562% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Commercial Prop | xx | xx | Investor | Yes | Yes | No | 771 | 805 | 44.445% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual supplemental bill for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,473.96 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,139.21 with an interest rate of 7.562%. The current UPB is $440,400.10. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $440,400.10.<br> As per the seller's tape, the subject property type is investment.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 6.16 years on the job as a physical therapist at xx. Additionally, BWR1 has 11.25 years on the job as a physical therapist at xx. <br> BWR2 has 14.91 years on the job as a registered nurse at xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxused short term (xx) rental income to qualify. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx.X years, BWR X is employed with xx, FICO XXX, $X,XXX residual income, $XX.XK reserves and $XX.XK equity in the subject property. XXXX since inception."<br> \* xxis missing (xxwas approved using short term XX rental program in lieu of a long term lease agreement."<br> \* xxis not active (xxshows the MI was rescinded."<br> \* Property is xxwas approved using short term XX rental program. Elevated for client review." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5975.33 | 12/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3598.98 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 744 | Not Applicable | 49.539% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> No active judgments or liens have been found.<br> The Xst, Xnd, Xrd, and Xth installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,432.42 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,598.98 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $536,462.83. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $536,462.83.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 9.5 years on the job as a volumetric supervisor at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxshows that per the construction draw team, they just obtained their permits for the septic system installation in July, the project was supposed to be completed on xx/xx/XXXX. The file shows that, as per the completion report dated xx/xx/XXXX, the new septic system was installed." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4419.46 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2428.06 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 758 | 727 | 44.895% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,832.35 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,428.06 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $374,703.67. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $374,703.67.<br> As per the seller's tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 2.16 years on the job as a general manager at xx.<br> BWR2 has been SE as a spa therapist for 2.83 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape shows the lender did not establish the stability of the qualifying income, employment, and all other obligations, as the lender did not obtain supporting income documents. Further details not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a general manager at xx. BWRX has been SE as a spa therapist for X.XX years. FICO XXX,XXXX since inception." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1820.53 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $798.80 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 770 | Not Applicable | 44.512% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of xx, in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument #xx.<br> The annual county taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,162.23 (xx), which was applied for the due date of xx/xx/2026. The current xxis $798.80 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $126,700.32.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $126,700.32.<br> As per tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 4.00 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxappraisal report in the file is subject to completion of repairs. The available XXXXD reflects that repair is not complete with insulation, drywall and siding. The updated XXXXD report is missing from the loan documents. The estimated cost to cure is in the amount of $xx and the final CD reflects an escrow holdback in the amount of $X,XXX."<br> \* Loan has escrow holdback. No proof it was released (xxtape and final CD reflect an escrow holdback in the amount of $X,XXX.XX. Proof for release of escrow holdback is missing from the loan documents." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxis "xxloan fails the xxpoints and fees test due to Fees charged (xx) exceed the fees threshold of $X,XXX.XX. Over by +$X,XXX.XX. The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* xxloan fails the xxpublic guidelines) QM points and fees test due to Fees charged (xx) exceed the fee threshold of $X,XXX.XX. Over by +$X,XXX.XX. The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX"<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* xxloan failed the TRID rate lock disclosure delivery date test. The subject is a purchase case originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the xxdated xx/xx/XXXX reflects an xx.XX. The loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3801.70 | 01/12/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5141.24 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 790 | Not Applicable | 38.556% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $5,680.21 (xx), which was applied for the due date of xx/xx/2026. The current xxis $5,141.24 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $830,997.10. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current xxis $5,141.24 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $830,997.10.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the occupancy of the subject property is stated as a second home.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE as a realtor for 23 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxfile show the loan product was changed to a XX-year fixed rate between XX/XX and XX/XX, with a COC issued on the final CD to disclose the change. The initial CD dated xx/xx/XXXX reflected an ARM product, which is inconsistent with the fixed-rate product disclosed on the final xxdetails not provided. Subject originated on xx/xx/XXXX." |  |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9589.10 | 12/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3252.78 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 787 | Not Applicable | 32.440% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of combined taxes for XXXX/XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX/XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,534.33 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,252.78 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $503,405.02.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $503,405.02.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 1.91 years on the job as an associate with xx. Additionally, BWR has 11 months on the second job as an operating associate II at xx.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxused income from a Xnd job without a X- year consecutive history. xx.XX%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx, FICO XXX, $X,XXX residual income, and $XXXK equity in the subject property. XXXX since inception.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4792.62 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1540.50 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 693 | 802 | 38.418% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with xx, Page #xx.<br> There is one active criminal judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,240.41 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,540.50 with an interest rate of 6.875%. The current UPB is $232,685.73. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $232,685.73.<br> As per the tape, the subject property is owner-occupied.<br> As per tape, the property has water or dampness concerns in the basement. The estimated cost to cure is not available. Further details were not provided. Subsequent comments do not show any damage.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR1 has 7.91 years on the job as a receptionist at xx. <br> BWR2 has 3 months on the job as an environmental specialist at the xx, BWR2 had 7.91 years on the job as a xx at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxappraisal report in the loan file is as is; the tape shows the water/dampness in the basement. The estimated cost to cure is not available in the loan file. xx, or an engineer inspection report, is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* xxappraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XXXxx, is closest to the subject property. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXxxdetails not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $975.26 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1178.33 | 4.625% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 772 | 793 | 10.787% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst, Xnd, and Xrd annual installments of county taxes for XXXX-XXXX have been paid in the amount of $XXX.XX on different dates.<br> The Xth installment of county taxes for XXXX-XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual sewer charges for XXXX are due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,644.17 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,178.33 with an interest rate of 4.625%. The current UPB reflected as per the payment history is $227,998.11. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $227,998.11.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape, the property occupancy is stated as an investor.<br> BWR1 has 12.16 years on the job as an executive vice president with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Occupancy concerns - (xxloan was approved as xxshows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review." | \* Loan does not conform to program guidelines (xxshows AUS finding invalidated due to IPCs and lack of reserves. FCD reflects a seller credit of $xx and the sales price of $xx AUS shows excess available assets of $X,XXX. Further details not provided."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit the BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has XX.XX years on the job as an executive vice president with xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $389.86 | 01/05/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $832.40 | 6.625% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | xx | xx | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 739 | 767 | 36.671% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $894.76 (xx), which was applied for the due date of xx/xx/2026. The current xxis $832.40 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $129,461.29. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $129,461.29.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR1 receives VA benefits income. <br> BWR2 has 12.16 years on the job as a field safety specialist at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* VA insurance is not active (xxshows the subject loan is not insured. The subject loan closed without monthly xxfunding fee." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $XXX.XX. xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of $X.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year."<br> \* Loan does not conform to program guidelines (xxshows BWR does not have any entitlement for the subject loan, as the loan amount is $XXXK, which is less than the minimum required of $XXXxxdetails not provided. Subject originated on xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1608.19 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2890.49 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 790 | Not Applicable | 47.152% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,503.34 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,890.49 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $437,367.50. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $437,367.50.<br> As per the tape, the subject property is owner-occupied.<br> Tape shows a post-close appraisal inspection could not be performed as the BWR was in the middle of remodel work. The inspection report verifying the completion of remodeling work is missing from the loan documents. CCs do not show damage.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 2.50 years on the job as a field engineer II at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxshows lender did not obtain an appraisal and closed loan as xxpost close appraisal inspection could not be performed as the BWR was in middle of a remodel work. Inspection report verifying the completion of remodeling work is missing from the loan documents. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK." |  |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $25.75 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1212.88 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 745 | Not Applicable | 39.791% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior mortgage originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual town taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX are due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,613.64 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,212.88 with an interest rate of 6.750%. The current UPB is $185,497.80. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $185,497.80.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.33 years on the job as a server at xx. Additionally, BWR has been SE as a driver for 2.33 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Cash out purchase (xxsubject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $X,XXX.XX."<br> \* Loan does not conform to program guidelines (xxfile show the updated post-consummation CD, IEAD, and first payment letter were not executed by the borrower xx. Further details not provided. Subject originated on xx/xx/XXXX." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5333.87 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4453.03 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 771 | 761 | 47.357% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $5,066.69 (xx), which was applied for the due date of xx/xx/2026. The current xxis $4,453.03 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $666,649.87. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $666,649.87.<br> As per the tape, the occupancy of the subject property is stated as an investment.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 9.91 years on the job as an office manager with xx.<br> BWR2 has 8.41 years on the job in business development with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxappraised value of $xx appears to be high compared to the current Redfin value of $xx and the Zillow value of $xx According to the appraisal report, the property is mainly used for private horse boarding and care, with XX stalls and a leased arena. The horse barn is used for hobby and private boarding purposes. xxdo not reflect any commercial use of the property." | \* ATR - Unable to determine borrower's xxsubject loan was approved as NOO at XX.XX%. Tape shows rental income used for qualification is not supported by lease, tax returns and comparable rent schedule. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as an office manager with xx. BWRX has X.XX years on the job in business development with xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. Review shows ATR confirmed." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6450.93 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2417.36 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 790 | Not Applicable | 45.300% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX have been delinquent in the amount of $XXX.XX, which was due on xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,417.36 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,417.36 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $348,377.33. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $348,377.33.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 2.66 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID Violation due to decrease in lender credit on final CD dated xx/xx/XXXX. xxdated xx/xx/XXXX does not reflect lender credit. xxdated xx/xx/XXXX reflect lender credit at $X,XXX.XX. This is decrease of $X,XXX.XX for fee which has X% tolerance test. Subject loan is a purchase, originated on xx/xx/XXXX and the SOL is X year." | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows the investor disagrees with the fact that BWR's business was reinstated in XXXX, and bank statements and the xxconfirmed evidence of the business being reinstated and operational from the past year. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE for X.XX years at xx, FICO XXX, XXXX since inception and $XXXK equity in the subject. Review shows ATR confirmed" |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9131.34 | 12/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3061.16 | 6.437% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 709 | 778 | 49.984% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of water charges for XXXX is due in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,162.33 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,061.16 with an interest rate of 6.437%. The current UPB reflected as per the payment history is $483,845.05. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $483,845.05.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 2.25 years at xx, BWR1 has been xx.75 years. <br> BWR2 has 2 years on the job as an office administrator with xx. Additionally, BWR2 has been SE as a mental health practitioner for 2.50 years<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxmiscalculated SE income. xx.XX%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE with xx.X years and xx.XX years, BWR X is employed with xx.X years and xx.X years, FICO XXX, $X,XXX residual income, $XXXK reserves and $XXX.XK equity in the subject property. XXXX since inception.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $5218.06 | 11/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3767.01 | 6.375% | 328 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 680 | Not Applicable | 47.054% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one prior mortgage against the subject property that was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> There is one prior UCC lien against the subject property in favor of XXXX, which was recorded on xx/xx/XXXX.<br> The first and second installments of combined taxes for XXXX/XXXX/XXXX have been paid in the total amount of $xx on different dates.<br> No prior year's delinquent taxes have been found.<br>| According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,524.85 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,767.01 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $583,033.30. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $583,033.30.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.08 years on the job as a senior manager with xx. Previously BWR had 3.75 years on the job as a xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase fee in the amount of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxfile show the subject loan closed as a xx. Further details not provided."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxsubject loan has a single-premium MI plan and full amount for xx." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $7730.99 | 12/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3015.98 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 760 | Not Applicable | 43.494% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX are delinquent in the amount of $XXX.XX, which was due on xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,129.13 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,015.98 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $463,385.02. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $463,385.02.<br> As per the tape, the occupancy of the subject property is stated as an investor. <br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.16 years on the job as a senior manager II at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxlease agreement document is missing from the loan file." | \* Assets do not meet guidelines (xxshows short reserves and funds to close. The bank statement in file shows $XXXK in assets, satisfying the cash-to-close requirement of $XXXK and the reserve requirement of $XXxxdetails not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $300.00 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1425.59 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 694 | Not Applicable | 43.076% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx. <br> No active judgments or liens have been found. <br> The annual county taxes for XXXX (xx) have been paid on xx/xx/XXXX in the amount of $XXX.<br> No prior year's delinquent taxes have been found.  | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,669.17 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,425.59 with an interest rate of 8.125%. The current UPB reflected as per the payment history is $191,492.51. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $191,492.51.<br> As per the tape, the subject property is second home.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 5.58 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the TRID xxloan is a purchase, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Occupancy concerns - (xxsubject was approved as second home. Tape shows HouseCanary report shows the subject property is listed for rent. Further details not provided. Elevated for client review." |  |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 02/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $873.42 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 29.131% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The property tax status is not available in the updated title report. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is 02301/2026. The last payment was received on xx/xx/2026 in the amount of $1,227.93 (xx), which was applied for the due date of xx/xx/2026. The current xxis $873.42 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $139,488.28. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is 02301/2026. The current UPB reflected as per the payment history is $139,488.28.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found related to damage or repairs.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> BWR has 1 year on the job as a pastry chef at xx. Additionally, BWR receives retirement income, and BWR has 4 months on the job as a cafe supervisor at xx. Previously, BWR has been SE for 9 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* xxloan failed the Pennsylvania license validation test."<br> \* Loan does not conform to program guidelines (xxtape and file show no credit score non-traditional credit obtained and show that there were late payments; therefore, the loan is not eligible for sale to xxdetails not provided. The subject loan originated on xx/xx/XXXX. Review shows ATR confirmed."<br> \* Missing credit report (xxreport is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2785.32 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1494.93 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 752 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installments of combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,884.87 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,494.93 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $223,956.81. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $223,956.81.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the RFD.<br> The loan has not been modified since origination.<br> As per the seller's tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject was previously used as a mental health facility, with the business operational through XXXX and dissolved in XXXX. Appraisal confirmed property is no longer used in the former capacity. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9391.82 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $7436.72 | $9804.82 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 774 | Not Applicable | 44.183% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst installment of county taxes for the XXXX supplemental was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for the XXXX supplemental is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $7,436.72, which was applied for the due date of xx/xx/2026. The current xxis $7,436.72 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $1,252,500.00. As per the note, the loan is interest-only for 120 months. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $1,252,500.00.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br>BWR has 11 months on the job as a xx. Additionally, BWR is self-employed and has been running multiple businesses for 1.41 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* AUS is missing (xxreport is missing from the loan documents." | \* xxtape shows the loan did not meet the required timing for disclosure of a product change. The loan was closed on xx/xx/XXXX, and the final CD was signed on xx/xx/XXXX. The file should have provided a revised CD with the date xx/xx/XXXX and failed to meet the three-business-day waiting period. Infinity compliance report shows the loan did not fail the X-day waiting period test."<br> \* xxis "xxloan failed the qualified mortgage interest-only test due to the loan is an interest-only loan."<br> \* xxloan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, any other interest rate-dependent charges, and terms was not provided to the borrower xx."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial CD dated xx/xx/XXXX reflects lender credit at $XXX.XX. xxdated xx/xx/XXXX reflects the lender credit at $X.XX. This is a decrease of +$XXX.XX for a fee that has a X% tolerance test. xxdecrease in NSLC is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1684.70 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2037.92 | 6.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 723 | Not Applicable | 50.163% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX have been delinquent in the total amount of $XX.XX, which is due on xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,217.50 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,037.92 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $307,255.81. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $307,255.81.<br> As per tape data, the subject property is owner-occupied.<br> No comment related to damage or repair is found in the servicing comments. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.83 years on the job as a xx. Previously, BWR had 5 months on the job as a machinist on XXXX at xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject loan is not FHA insured. PH shows MI is active." | \* Loan does not conform to program guidelines (xxshows the AUS lost underwriting eligibility requirements. After removing the positive rental history, it does not meet FHA manual underwriting eligibility requirements. Review shows ATR confirmed."<br> \* Missing proof of hazard insurance (xxinsurance policy is missing from the loan documents." | \* Property is xxper the appraisal report, which is located at "xx" the subject property type is a manufactured home. The manufactured home rider and the manufactured document attached to the recorded mortgage located at "Ln#xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9887.54 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $5281.25 | $6398.44 | 6.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 802 | Not Applicable | 49.410% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX are due in the amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $5,281.25 (xx), which was applied for the due date of xx/xx/2026. The current interest-only payment is $5,281.25 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $975,000.00. This loan is interest-only for 120 months.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $975,000.00.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 1.16 years on the job as a director of purchasing at xx. Previously, BWR had 20.75 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx | xx | 4: Unacceptable | \* xxrequired by guidelines (xxreport at the origination time is missing from the loan documents." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The initial loan estimate dated xx/xx/XXXX reflects points - loan discount fee $X,XXX.XX. The final CD dated xx/xx/XXXX reflects points - loan discount fee $X,XXX.XX. The initial loan estimate dated xx/xx/XXXX does not reflect an appraisal review fee. The final CD dated xx/xx/XXXX reflects an appraisal review fee of $XXX.XX. The initial loan estimate dated xx/xx/XXXX does not reflect the purchase review fee. The final CD dated xx/xx/XXXX reflects a purchase review fee of $XXX.XX. The initial loan estimate dated xx/xx/XXXX reflects a tax service fee of $XX.XX. The final CD dated xx/xx/XXXX reflects a tax service fee of $XX.XX. This is a cumulative increase in fees of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL is active."<br> \* Loan does not conform to program guidelines (xxshows the interest-only payments were not calculated in the qualifying payment for XX-year amortization of the subject loan. Further details not provided."<br> \* Loan program disclosure missing or unexecuted (xxfile show the ARM loan program disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape reflects an increased DTI of XX.XX%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a director of purchasing at xx, FICO XXX, XXXX since inception, $X,XXX residual income, and $XXXK equity in the subject.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1976.01 | 12/26/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1723.44 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 802 | Not Applicable | 34.479% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,062.80 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,723.44 with an interest rate of 6.50%. The current UPB reflected as per the payment history is $269,504.26. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $269,504.26.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.16 years on the job as an analyst II—compliance with xx. Additionally, BWR has 3.50 years on the second job as a registered representative with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan is aged more than X months from the first payment date, and the new buydown form has been updated under the new loan product effective X/X. File shows the subject loan closed with a X-year buydown with the rate increasing in X steps from X.XXX% to X.XXX%. Further details not provided."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $15618.20 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6875.14 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 779 | Not Applicable | 39.823% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst, Xnd, and Xrd installments of town taxes for XXXX have been paid in the total amount of $xx on different dates.<br> The Xth installment of town taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $8,205.54 (xx), which was applied for the due date of xx/xx/2026. The current xxis $6,875.14 with an interest rate of 6.750%. The current UPB is $1,054,446.57. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $1,054,446.57.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 8.58 years on the job as a principal sales manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject was approved at XX.XX%. Tape shows continuity of the income used for qualification from RSU was not established. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a principal sales manager with xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4395.03 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1849.93 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 686 | 664 | 33.534% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,590.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,849.93 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $282,232.52. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $282,232.52.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the collection comments dated xx/xx/2025, the RFD is excessive obligations.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 4.41 years at xx<br> BWR2 has 16.38 years on the job as a school counselor at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage with a xx,849.93, a rate of interest of 5.75000%, and a maturity date of xx/xx/2049. xxper payment history is $1,849.93, and the rate of interest is 5.75000%. The tape defect indicates that the BWR obtained a modification. The modification agreement is missing from the loan file. |  | xx | 4: Unacceptable | \* xxis not active (xxshows the MI on the subject loan has been rescinded due to the LPMI premium not being paid within XX days. Further details not provided." |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed the TRID rate lock disclosure delivery date test.<br>This loan failed the TILA finance charge test. The finance charge is $XXX,XXX.XX. The disclosed finance charge of $xx is not considered accurate as it is understated by more than -$XXX.XX. The loan failed the TILA foreclosure rescission finance charge test due to calculated finance charge of $xx exceeds the disclosed finance charge of $xx by -$XXX.XX. <br>The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. The subject loan is a refinance case that originated on xx/xx/XXXX, and the SOL is X years expired." |  | Moderate | Pass | Fail | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2780.42 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $920.07 | 2.937% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 810 | Not Applicable | 42.725% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,217.35 (xx), which was applied for the due date of xx/xx/2026. The current xxis $920.07 with an interest rate of 2.937%. The current UPB reflected as per the payment history is $195,368.53. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $195,368.53.<br> As per the tape, the subject property is owner-occupied.<br> The appraisal report is completed as is. The photo addendum shows the pool, parking deck, and fitness center are under contract for repairs. The cost of repair is not available. Unable to confirm the status of repairs. Further details not provided. CCs do not show any damage.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 29 years on the job as a registered nurse at xx. Additionally, BWR receives social security income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xxin-file appraisal reports show the project does not meet FNMA eligibility requirements, as the pool, parking deck, and fitness center are under contract for repairs. xx, or an engineer inspection report, is missing from the loan documents." |  | \* xxloan failed the TRID rate lock disclosure delivery date test.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7406.73 | 01/05/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5369.91 | 8.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 793 | 781 | 33.665% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $6,164.56 (xx), which was applied for the due date of xx/xx/2026. The current xxis $5,369.91 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $704,725.01. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $704,725.01.<br> As per tape data, the subject property is currently owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 4.41 years at xx<br> BWR2 has 2.91 years on the job as a paraeducator with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxfile show the subject loan is HPML, and the appraisal was not delivered X days prior to closing. Further details not provided." | \* xxloan failed the higher-priced mortgage loan test (xx)(xx)) due to the APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx). The loan failed the xxthreshold test due to the APR being calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1894.84 | 01/13/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1296.32 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 790 | 772 | 28.668% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,618.78 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,296.32 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $182,749.81. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $182,749.81.<br> As per the tape, the subject property occupancy is stated as a secondary home.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.33 years on the job as a training supervisor with xx.<br> BWR2 has 1.25 years on the job as a senior project manager with xx, xx, BWR2 had 3.25 years on the job as a senior project manager with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxshows the subject condo project is ineligible for both xxdue to needed repairs, such as replacing the stairs on the building, not yet completed. Condo questionnaire shows repairs have been completed on the subject building, and the work is overseen and approved by a structural engineer and xxcode enforcement. An inspection report by a licensed professional verifying the completion of the stairs work and the structural soundness of the subject building is missing from the loan file." |  |  | Minimal | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $115.80 | 12/16/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $2734.25 | 5.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 732 | Not Applicable | 47.704% | First | Short Form Policy | Not Applicable | Not Applicable | 12/01/2021 | $516145.30 | Not Applicable | 3.750% | $2077.62 | 12/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active HOA lien against the subject property in favor of xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX. <br> There are two junior credit card judgments against the borrower xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the amounts of $xx and $XX,XXX.XX.<br> The Xst and Xnd installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.X on xx/xx/XXXX and xx/xx/XXXX.<br> The annual water taxes for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,815.48 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,077.62 with an interest rate of 3.750%. The current UPB is $492,122.06, and the deferred balance is $14,719.21. | Collections Comments:According to the servicing comments, the current status of the loan is performing<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $492,122.06, and the deferred balance is $14,719.21.<br> As per the comment dated xx/xx/2024, the reason for the default is curtailment of income.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2021.<br> No foreclosure activity has been found.<br> xx, the borrower, xx, Sr., filed bankruptcy under Chapter 7 with the case #xx. xxwas discharged on xx/xx/2022 and terminated on xx/xx/2022.<br> BWR has been SE for 5 years at xx<br> Foreclosure Comments:Not Applicable<br> xx, the borrower, xx, Sr., filed bankruptcy under Chapter 7 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $580,200.00. The unsecured portion is $0.00. xxplan was filed on xx/xx/2022 and not been confirmed yet. xxwas discharged on xx/xx/2022 and terminated on xx/xx/2022. | The modification agreement was made between the borrower, "xx," and the lender, "xx," on xx/xx/2021. As per the modified term, the new principal balance is $516,145.30. The monthly xxis $2,077.62 with an interest rate of 3.750% beginning on xx/xx/2021 and a maturity date of xx/xx/2061. There is no deferred balance and principal forgiven amount. | xx<br> Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* MI, xxmissing and required (xxfile shows the MI certificate from MGIC, which shows the entire premium paid by BWR, and the final CD shows the MI premium paid to xxpremium paid by the buyer and seller. A corrected copy of the MI certificate or the final CD reflecting the MI premium details is missing."<br> \* xxis not active (xxout to the seller to verify active MI status." | \* Appraisal incomplete (xx) (xxreport is subject to the completion of new construction. XXXXD available in the loan file shows the home is XXX% completed, but grading, drainage, and landscaping are incomplete. The estimate to complete landscaping is $XXXX. The final XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback." | \* xxloan failed the TRID xx.XX(xx)(xx)(xx)(xx)). Subject is a purchase loan and X year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx, and its recommendation is "xxwith a DTI of XX.XX%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $100.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2001.69 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $586.72 | 5.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 795 | 717 | 43.927% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,066.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $586.72 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $90,611.00.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $90,611.00.<br> As per the tape, the occupancy of the subject property is stated as an investment.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.16 years on the job as an in-home care provider/social worker with xx.<br> BWR2 has been SE for 4 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis not active (xxout to the seller to verify active MI status." | \* xxshows the initial CD is missing from the loan file as per the disclosure tracking summary. Further details not provided. Infinity did not test CE, as the subject loan is NOO." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $103.72 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $873.03 | 2.250% | 354 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Not Applicable | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 677 | 677 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of xxdba Figure in the amount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument # xx.<br> There is a UCC financing statement against the borrower xx, N.A., which was recorded on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,930.10 (xx), which was applied for the due date of xx/xx/2025. The current xxis $873.03 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $189,063.73. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $189,063.73.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows loan did meet seasoning requirements for xx. xxrefinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied." | \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$XXX.XX. The loan failed the TILA foreclosure rescission finance charge test due to calculated finance charge of $xx exceeds the disclosed finance charge of $xx by -$XXX.XX. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5741.42 | 12/11/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | Yes | xx | Not Applicable | $973.66 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 643 | 688 | 45.497% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active HOA lien against the subject property in favor of the xx., which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual water charges for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,444.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $973.66 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $211,515.01. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $211,515.01.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the comment dated xx/xx/2025, the reason for default is curtailment of income.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> xx, the borrower, xx. Osby, filed for bankruptcy under Chapter 7 with the case #xx. xxwas discharged on xx/xx/2024 and terminated on xx/xx/2024.<br> BWR has been SE for 9.66 years at xx<br>Foreclosure Comments:Not Applicable<br> xx, the borrower, xx. Osby, filed for bankruptcy under Chapter 7 with the case #xx. The reaffirmation agreement was filed on xx/xx/2024. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $295,500.00. The unsecured portion is $0.00. There is no comment indicating a cramdown. xxwas discharged on xx/xx/2024 and terminated on xx/xx/2024. | Not Applicable | Missing or error on the xx<br> Transmittal (xx) | xx | 2: Acceptable with xx |  |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID violation is due to a decrease in lender credit on the closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects lender credit at $X,XXX.XX; the final CD dated xx/xx/XXXX reflects lender credit at $X.XX. This is a decrease of +$X,XXX.XX for a fee which has a X% tolerance test. xxdecrease in NSLC is missing from the loan documents. The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points - loan discount fee. xxdated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxborrower's intent to proceed is missing from loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xx) is xxfinal transmittal summary is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4415.50 | 12/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2061.35 | 3.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 731 | Not Applicable | 30.046% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a state tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX. xx.<br> The Xst & Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX & xx/xx/XXXX.<br> The Xst & Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX & xx/xx/XXXX.<br> The Xst & Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX & xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,585.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,061.35 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $406,446.59. | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $406,446.59.<br> As per the servicing comment dated xx/xx/2024, the reason for the default is excessive obligation.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2024, the repayment plan started on xx/xx/2024.<br> The loan has not been modified since origination.<br> No comment related to damage or repair is found in the servicing comments.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 6.25 years on the job as a nurse manager with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxsettlement service providers list is missing from the loan documents." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects lender credit at $xx; the final CD dated xx/xx/XXXX reflects the lender at $XX,XXX.XX. This is a decrease of -$XX.XX for a fee that has a X% tolerance test. Loan failed the charges that in total cannot increase more than XX% tolerance test. xxdated xx/xx/XXXX reflects the sum of xxfees and recording fees at $X,XXX.XX. xxdated xx/xx/XXXX reflects the sum of xxrecording fee at $X,XXX.XX. This is a cumulative increase of $XXX.XX for charges that in total cannot increase more than XX%. COC for the increase in fee is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3219.90 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $863.34 | 2.500% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 691 | Not Applicable | 35.351% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> There is a junior mortgage against the subject property in favor of xxamount of $xx which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> The first and second installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the amount of $XX.XX, which was due on xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,586.48 (xx), which was applied for the due date of xx/xx/2025. The current xxis $863.34 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $187,396.56. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $187,396.56. <br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 8.25 years on the job as a manager of community relations with xx, aka xx, BWR receives VA benefit income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* MI, xxmissing and required (xxloan guaranty certificate is missing from the loan documents.<br> xx/xx/XXXX The seller commented as loan disclosed on bid tape as xxloan."<br> \* VA insurance is not active (xxtape shows the subject loan is not VA insured." | \* Loan does not conform to program guidelines (xxtape shows that the loan does not satisfy VA refinance seasoning, as there should be a waiting period or gap between the XXX-day first payment date of the existing mortgage, which is being paid off, and the closing of our new subject loans in VA refinance loans. The waiting period is not met in this loan." | \* xxmissing; loan has escrows (xxescrow account disclosure is not signed by the borrower."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2894.25 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1123.00 | 3.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 662 | 649 | 53.511% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a civil judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,572.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,123.00 with an interest rate of 3.25%. The current UPB reflected as per the payment history is $234,002.42. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $234,002.42.<br> As per the servicing comment dated xx/xx/2025, the reason for default is excessive obligation.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 receives pension and social security income. <br> BWR2 has 8.33 years on the job as a painter at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxtape shows the subject loan is not FHA insured." | \* xxshows the this loan failed charges that cannot increase the test. Further details not provided. xxreport shows the loan did not fail charges that cannot increase the test."<br> \* Loan does not conform to program guidelines (xxtape shows the loan amount being calculated using the appraised value on a property that was acquired within XX months of the case assignment date of refinance. Subject originated X/XX/XX. UPB $XXXxxshows estimated value of $XXXK." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $12112.26 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1906.20 | 7.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | Not Applicable | Not Applicable | 34.272% | First | Final policy | Not Applicable | Not Applicable | 03/01/2012 | $655077.95 | Not Applicable | 2.000% | $1983.74 | 04/01/2012 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior civil judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> There are X civil judgments against the borrower xx, which were recorded on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX, in the total amount of $X,XXX.XX.<br> There are X credit card judgments against the borrower xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $X,XXX.XX.<br> The annual county taxes for XXXX were paid in the amount of $xx on xx/xx/XXXX.<br> The annual county taxes for XXXX are due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,983.74, which was applied for the due date of xx/xx/2025. The current xxis $1,983.74 with an interest rate of 2.00%. The current UPB as per the payment history is $485,755.34. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB as per the payment history is $485,755.34.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2012.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx. Rodriguez, a married man, and the lender, xx, on xx/xx/2012. As per the modified term, the new principal balance is $655,077.95. The monthly xxis $1,983.74 with an interest rate of 2.00% beginning on xx/xx/2012, and the maturity date is xx/xx/2052. There is no deferred balance and principal forgiven amount. | xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show credit and underwriting documents are missing. Further details not provided. The subject loan originated on xx/xx/XXXX." | \* xxloan failed the xxtest as the final TIL is missing from the loan documents."<br> \* xxfile show the final TIL is missing from the loan documents." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6372.92 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $870.03 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 46.020% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,784.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $870.03 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $186,432.26. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $186,432.26.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7.38 years on the job as a program coordinator assistant instructor at xx. Additionally, BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> Transmittal (xx) | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxper the tape defect, lender had only a title commitment and was missing the final title. The final title policy is located at xx xxdetails are not provided." | \* xxborrower's intent to proceed is missing from loan documents."<br> \* Missing credit report (xx) is xxsummary is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $16344.47 | 12/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1764.30 | 3.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 664 | Not Applicable | 35.449% | First | Final policy | Not Applicable | Not Applicable | 05/06/2021 | $380021.86 | Not Applicable | 3.990% | $1812.09 | 06/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active junior mortgage against the subject property in favor of xxamount of $xx which originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with the instrument #xx.<br> There are three civil judgments against the borrower xx, which were recorded on different dates in the total amount of $XXX.XX.<br> The annual village taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst installment of combined taxes for XXXX/XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX/XXXX is due in the total amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,535.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,812.09 with an interest rate of 3.990%. The current UPB reflected as per the payment history is $346,816.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $346,816.00.<br> As per the servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2021.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR receives alimony and child support income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, as attorney in fact for xx, LLLP, on xx/xx/2021. As per the modified term, the new principal balance is $380,021.86. The monthly xxis $1,812.09 with an interest rate of 3.990% beginning on xx/xx/2021 and a maturity date of xx/xx/2051. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination.<br>| Transmittal (xx) | xx | 3: Curable |  | \* xxlost note affidavit available in the file located at xx pg#xx, destroyed or lost. A duplicate copy of the note is available in the loan file located at xx pg#xx. Tape shows there is a lost note affidavit with a copy of the executed note." | \* Transmittal (xx) is xxsummary is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6776.56 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1932.32 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 623 | 658 | 43.980% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior mortgage against the subject property that originated on xx/xx/XXXX and was recorded on xx/xx/XXXX in the amount of $xx with xx, a federal credit union.<br> The first installment of county taxes for XXXX-XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX-XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3292.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,932.32 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $405,591.21. | Collections Comments:According to the servicing comments, the current status of the loan is in collection.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $405,591.21.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the reason for default is curtailment of income.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the comment dated xx/xx/2025, the borrower's income was impacted by Covid-19.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 6.58 years on the job as an FLDOP at xx.<br> BWR2 has 1.83 years on the job as an LVN at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan is ineligible for xx, as the borrower xx on the existing mortgage, was not on the title for the most recent XX months, and did not meet the requirements. Subject originated on xx/xx/XXXX." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID xx<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, the borrower xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx, and its recommendation is "Accept" with a DTI of XX.XX%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4315.47 | 12/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1668.27 | 2.625% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 812 | Not Applicable | 40.163% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,224.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,668.27 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $172,873.64. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $172,873.64.<br> Unable to determine the reason for the default.<br> As per the collection comments dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.71 years on the job as a senior xx.A.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> Transmittal (xx) | xx | 3: Curable |  | \* xxshows this loan failed the charges that cannot increase the test. Missing evidence the borrower xx. The infinity compliance report shows the loan did not fail the X% tolerance test."<br> \* xxborrower's intent to proceed is missing from the loan documents." | \* Appraisal incomplete (xx) (xx) is xxfinal transmittal summary is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1985.54 | 12/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1135.81 | 4.000% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 648 | Not Applicable | 49.033% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,360.17 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,135.81 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $201,535.63. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $201,535.63.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 10 years at xx, BWR receives social security income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> xx<br> Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxfile show the initial xxare missing from the loan file, and no evidence was found that the LE was issued within X business days of the application date and the initial CD was delivered X business days prior to consummation."<br> \* xxrider xxsubject property type is xxrider is missing from the loan documents. Tape shows the mortgage/security instrument does not include a PUD rider. The title policy reflects the subject is a PUD rider, which is missing."<br> \* xxlost note affidavit available in the file located at "LNA & copy of xx shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at "LNA & copy of xx." The tape shows the files contain a lost note affidavit with a copy of the executed note."<br> \* xxsubject loan has a single-premium MI plan and full amount for xx." | \* xxis "xxloan failed the loan origination fee test due to the fee charged is $X,XXX.XX, exceeding the fee threshold of $X,XXX.XX by +$XXX.XX. The following fees were included in this test:<br> Compensation paid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxprotection letter paid by Borrower: $XX.XX<br> xxpaid by Borrower: $XX.XX"<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete, as the initial LE and initial CD are missing from the loan documents."<br> \* xxis missing. (xxcounseling disclosure is missing from the loan documents."<br> \* xxproceed is missing from the loan documents."<br> \* xxis missing from the loan document."<br> \* xxis missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxservicing transfer is missing from the loan file."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XXX%, as the borrower xx,XXX.XX and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx, and its recommendation is "xxwith a DTI of XX.XXX%." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11996.81 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1557.51 | 3.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 797 | Not Applicable | 36.502% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The combined taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,941.02 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,557.51 with an interest rate of 3.500%. The current UPB is $302,513.78. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $302,513.78.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 8 years on the job as a chief executive officer at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $162.00 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1465.22 | 2.375% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Not Applicable | xx | xx | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 793 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with Book xx, Page xx, in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.  | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,742.85 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,465.22 with an interest rate of 2.375%. The current UPB reflected as per the payment history is $326,429.37. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $326,429.37.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* VA insurance is not active (xxtape shows the subject loan is not VA insured." | \* Loan does not conform to program guidelines (xxfile show the subject did not meet the VA XXX-day seasoning period. Subject closed on xx/xx/XXXX." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $8537.38 | 12/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1710.06 | 4.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 699 | 690 | 44.808% | First | Short Form Policy | Not Applicable | Not Applicable | 08/06/2021 | $363182.19 | Not Applicable | 3.250% | $1580.59 | 10/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,617.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,580.59 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $330,581.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $330,581.00.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the RFD.<br> As per the seller's tape, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2021.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR1 has been SE as an operator for 15.5 years.<br> BWR2 has 29 years on the job as a supervisor at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx and xx, and the lender, xx, on xx/xx/2021. As per the modified term, the new principal balance is $363,182.19. The monthly xxis $1,580.59 with an interest rate of 3.250% beginning on xx/xx/2021 and a maturity date of xx/xx/2051. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* xxloan failed the TRID rate lock disclosure delivery date test."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by xx.XX%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5451.92 | 12/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1942.83 | 2.875% | 120 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 22.529% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,510.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,942.83 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $106,048.52. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $106,048.52.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 12.99 years on the job as a regulatory affairs officer at the TIAA.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx | xx | 2: Acceptable with xx |  |  | \* Appraisal incomplete (xx) (xxsubject was closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated value of $XXXxxcurrent UPB is $XXXK."<br> \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by $XXX.XX.<br>The loan failed the TILA foreclosure rescission finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by $XXX.XX.<br>The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxproceed is missing from the loan documents."<br> \* Missing proof of hazard insurance (xxinsurance certificate is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $4588.00 | $9176.00 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1458.00 | 2.500% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 739 | 785 | 27.172% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active prior mortgage against the subject property originated on xx/xx/XXXX in favor of MERS as nominee for xx.<br> The first installment of town taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The first installment of town taxes for XXXX is delinquent in the amount of $X,XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,456.07 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,458.00 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $325,572.73. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current xxis $1,458.00 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $325,572.73.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 6 years on the job as a police officer with xx. BWR2 has 7 years on the job as a agile product manager/ IT-Health insurance at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the subject loan does not meet the seasoning period requirement for a VA cash-out refinance. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First | xx | $0.00 | $1573.44 | 01/07/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $901.47 | 2.250% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 660 | 723 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active prior civil judgment against the borrower xx,XXX.XX, which was recorded on xx/xx/XXXX. xxmentioned on supportive documents is inconsistent with the borrower's SSN.<br> There are two IRS liens against the borrower xx on xx/xx/XXXX and xx/xx/XXXX. xxmentioned on supportive documents is inconsistent with the borrower's SSN.<br> The annual installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,228.69 (xx), which was applied for the due date of xx/xx/2026. The current xxis $901.47 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $202,219.84. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $202,219.84.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan does not meet the xxseasoning requirement. Further details not provided." | \* xxmissing; loan has escrows (xxescrow account disclosure is not signed by the borrower."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $7338.92 | 01/01/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1167.30 | 4.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 621 | Not Applicable | 55.869% | First | Final policy | Not Applicable | Not Applicable | 03/16/2022 | $243075.16 | Not Applicable | 4.000% | $1015.90 | 04/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active PACE lien against the subject property in favor of xx, a public body corporate and politic, which is recorded on xx/xx/XXXX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,911.34 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,015.90 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $232,869.78. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $232,869.78.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2022.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 10 years on the job as a lead pastor with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2022. As per the modified term, the new principal balance is $243,075.16. The monthly xxis $1,015.90 with an interest rate of 4.000% beginning on xx/xx/2022 and a maturity date of xx/xx/2062. There is no deferred balance and principal forgiven amount. | Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxtape shows the subject loan is not FHA insured." | \* xxfailed the xxpublic guidelines) QM points and fees test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xx,XXX.XX.<br>Loan failed xxrebuttable presumption test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xx,XXX.XX.<br>Loan failed qualified mortgage lending policy points and fees test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xx,XXX.XX." | \* xxis "xxfailed the xxsafe harbor threshold test due to the APR calculated at X.XXX% and the comparison data of the APR threshold at X.XXX%, which is under variance by - X.XXX%."<br> \* xxproceed is missing from the loan documents."<br> \* Loan does not conform to program guidelines (xxshows the FHA connection or active MI coverage status is missing from the loan documents. Further details not provided. Subject loan originated on xx/xx/XXXX and FICO XXX."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by xx" |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4584.41 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $855.40 | 2.250% | 331 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 557 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a credit card judgment against the borrower xx., which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> There are X civil judgments against the borrower xx, which were recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,416.53 (xx), which was applied for the due date of xx/xx/2025. The current xxis $855.40 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $183,663.58.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $183,663.58.<br> As per the servicing comment dated xx/xx/2025, the reason for default is curtailment of income.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per collection comment xx/xx/2025, the subject property is owner-occupied.<br> Subject loan approved as a streamline refinance loan.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan does not meet the xxseasoning requirement. Further details not provided."<br> \* xxsubject loan has single insurance premium." | \* xxborrower's intent to proceed is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2182.66 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $762.27 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 752 | 733 | 42.825% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,252.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $762.27 with an interest rate of 3.000%. The current UPB, reflected as per the payment history, is $160,088.20. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $160,088.20.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 6.27 years on the job as a client support lead at xx.<br> BWR2 has 7.83 years on the job as a program coordinator at the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis not active (xxout to seller to verify active MI status." |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX.<br> Loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX.<br> This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxborrower's intent to proceed is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1987.89 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $872.37 | 4.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 760 | Not Applicable | 14.875% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, xxmortgage was re-recorded on xx/xx/XXXX to correct the plat reference.<br> There is an active state tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> There is an active civil judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual combined taxes for XXXX are paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $872.37 (xx), which was applied for the due date of xx/xx/2026. The current xxis $872.37 with an interest rate of 4.125%. The current UPB reflected as per the payment history is $133,120.31. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $133,120.31.<br> xxis unable to be determined.<br> No details pertaining to the damage to the subject property have been observed.<br> According to tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.91 years on the job as a sales manager/PEO with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan program disclosure missing or unexecuted (xxsubject loan was originated with the lender "MERS as nominee for xx." Tape shows the missing endorsement from xx, to xx and the missing xx | \* xxis missing. (xxcounseling disclosure is missing from loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4069.38 | 01/05/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1420.52 | 2.375% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Streamline Refinance | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior mortgage against the subject property, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx, California.<br> There is a junior state tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The first installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the total amount of $XX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,243.89 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,420.52 with an interest rate of 2.375%. The current UPB reflected as per the payment history is $323,131.20. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $323,131.20.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxtape shows the subject loan is not FHA insured." | \* Loan does not conform to program guidelines (xxshows subject loan does meet the seasoning period requirements for a streamline refinance. Further details not provided. Subject originated on xx/xx/XXXX." | \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2093.59 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1074.04 | 2.500% | 350 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 737 | 728 | 47.191% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst, Xnd, and Xrd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> The Xth installment of county taxes for XXXX is due in the total amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,375.78 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,074.04 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $232,337.24.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $232,337.24.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 2.95 years on the job as a foreman at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> Transmittal (xx) | xx | 3: Curable |  | \* xxreport show the subject loan failed the charges that in total cannot increase more than XX% test. Further details not provided." | \* Appraisal incomplete (xx) (xx) is xxsummary is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $15394.20 | 12/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2845.50 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 749 | Not Applicable | 41.645% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior mortgage against the subject property that originated on xx/xx/XXXX in the amount of $xx which was recorded on xx/xx/XXXX in favor of the xx<br> The annual installments of combined taxes for XXXX have been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,845.50 which was applied for the due date of xx/xx/2025. The current xxis $2,845.50 with an interest rate of 2.875%. The current UPB, reflected as per the payment history, is $622,055.01. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $622,055.01.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 5.25 years on the job as an exempt manager with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> Transmittal (xx) | xx | 3: Curable |  | \* xxfile show the subject loan's initial application date is xx/xx/XXXX, as the mortgage broker had issued xxdated xx/xx/XXXX. The loan closed with the initial application on xx/xx/XXXX, and the initial LE and other initial disclosures were not delivered to the BWR within X business days of the initial application date. The subject loan is a purchase transaction that originated on xx/xx/XXXX, and the X-year SOL has expired." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx.XX.<br> Loan estimate dated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx.XX.<br> Loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX.<br> This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxis missing. (xx) is xxfinal transmittal summary is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $27.20 | 01/07/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1334.74 | 2.990% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 647 | 691 | 49.530% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a civil judgment against the subject borrower in favor of xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,716.84 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,334.74 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $280,850.68.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $280,850.68.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR1 has 3 months on the job as a supervisor/construction worker at xx.<br> BWR1 has prior employment experience as a warehouse coordinator/construction with xx.91 years.<br> BWR2 has 6.41 years on the job as a customer service representative with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows the subject loan is not insured." | \* Loan does not conform to program guidelines (xxshows the subject loan is not FHA insured due to the BWR having an additional active FHA loan at the time of origination. Further details not provided. Subject loan originated on xx/xx/XXXX and FICO XXX.<br>The seller's tape data shows the title policy is short form; the date of the policy does not match the date of the meeting recording, nor does it include the "whichever date is later" language. As per the short form policy located at "xx" the date of the policy was xx/xx/XXXX, which is the mortgage recording date." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the points—loan discount fee at $XXX.XX. CD dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower xx,XXX.XX and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx, and its recommendation is "xxwith a DTI of XX.XX%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $21128.42 | 01/14/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5562.38 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | No | Not Applicable | No | 726 | 753 | 37.466% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior mortgage originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.S. xx<br> There are X junior UCC liens against the subject property in favor of different plaintiffs, which were recorded on different dates.<br> There is a state tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XXXX.XX. xxmentioned on supportive documents is inconsistent with the borrower's SSN.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $7,804.90 (xx), which was applied for the due date of xx/xx/2026. The current xxis $5,562.38 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $940,326.69. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $940,326.69.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 and BWR2 have been SE for 10.33 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> Missing or error on the xx<br> xx<br> xx<br> Transmittal (xx) | xx | 4: Unacceptable | \* xxrequired by guidelines (xxreport is missing from the loan documents.<br>xx/xx/XXXX:Seller confirmed AUS is not available." | \* xxfile show missing TRID disclosures, including all initial disclosures, loan estimates, applicable written COCs, and closing disclosures. Further details not provided. Subject originated on xx/xx/XXXX."<br> \* xxmissing or unsigned (xxis missing from the loan documents. Tape shows file missing CDs.<br>xx/xx/XXXX:Seller confirmed CD is missing." | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. ATR could not be determined as XXXX, AUS, loan approval and income documents are missing from the loan file. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX and BWRX have been SE for XX.XX years at xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject."<br> \* xxis missing. (xx) is xxsummary is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $533.30 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $571.54 | 2.750% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | xx | xx | Unavailable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 675 | 801 | 50.256% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book #xx. No active judgments or liens have been found. The annual combined taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $772.06 (xx), which was applied for the due date of xx/xx/2025. The current xxis $571.54 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $110,147.70.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $110,147.70. No details pertaining to the damage to the subject property have been observed. The loan has not been modified since origination. No foreclosure activity has been found. No post-close bankruptcy record has been found. As per tape data, the subject property is owner-occupied. BWR1 receives VA benefits and non-educational income. BWR2 has 6 years on the job as a vacation specialist with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Property is xxis not affixed. As per the appraisal report, which is located at XXXXXXXXXXPg#xx, the subject property type is a manufactured home. xxendorsement is not attached to the final title policy. The legal description attached to the subject mortgage does not show the VIN or serial number. The affidavit of affixation is not available to confirm whether the mobile home is affixed to a permanent foundation.As per the seller's response, disagree with the finding; the property appears to be affixed to the land. The appraisal states it is an "encaptured xx," which by definition means an "encaptured," or more commonly, a permanently affixed or anchored manufactured home, refers to a factory-built dwelling that has been legally and structurally converted into real property by attaching it permanently to a foundation on land owned by the homeowner."<br> \* VA insurance is not active (xxshows the subject loan is not insured." | \* Loan does not conform to program guidelines (xxshows the loan is not eligible for xx.XX entitlement remaining. Further details not provided." | \* xxis "xxloan fails the xxdue to Fees charged $X,XXX.XX exceed the fee threshold of $X,XXX.XX by +$XXX.XX. The below fees were included in the test: xxpaid by Borrower: $X,XXX.XX xxpaid by Borrower: $XXX.XX xxpaid by Borrower: $XX.XX xxpaid by Borrower: $XXX.XX The loan failed prohibited fees test. The below fee was included in the test: xxpaid by Borrower: $XXX.XX"<br> \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$XXX.XX. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XXX% as the Borrower xx,XXX.XX and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx Pg#xx.XX%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $4281.80 | $8563.60 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $714.94 | 2.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 777 | Not Applicable | 26.241% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of town taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of town tax for XXXX has been delinquent in the total amount of $X,XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,744.90 (xx), which was applied for the due date of xx/xx/2025. The current xxis $714.94 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $147,688.29. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $147,688.29.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 9 years on the job as an associate professor at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxfile show no appraisal, as the subject loan closed without an appraisal report. PIW disclosure is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* xxreport show the subject loan failed charges that cannot increase at X%; missing evidence the borrower xx and missing a revised disclosure issued within three days of the rate lock date of xx/xx/XXXX and the change of circumstance reflecting an increase to discount points. Subject originated on xx/xx/XXXX."<br> \* xxreview of the loan file show a lost note affidavit available in the loan files with a copy of the executed note. The lost note affidavit available in the file located at "xx xxshows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX reflect a point- loan discount fee at $X,XXX.XX. CD dated xx/xx/XXXX reflect a point- loan discount fee at $X,XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and recording fee at $XXX.XX. CD dated xx/xx/XXXX reflects the sum of xxrecording fee at $X,XXX.XX. This is a cumulative increase of $XXX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement is missing from the loan document." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1822.49 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $454.44 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx | Unavailable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 794 | Not Applicable | 28.308% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amount of $XXXX.XX on different dates.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amount of $XXXX.XX on different dates.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amount of $XXXX.X on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $659.18 (xx), which was applied for the due date of xx/xx/2026. The current xxis $454.44 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $93,961.43. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $93,961.43.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner occupied. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7 months on the job as a service worker with xx. BWR has previously worked with xx.83 years. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Transmittal (xx) | xx | 2: Acceptable with xx |  |  | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a refinance originated on xx/xx/XXXX and the SOL is X years."<br> \* Transmittal (xx) is xxtransmittal summary is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5342.66 | 12/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1525.90 | 2.875% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 622 | 610 | 49.221% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,235.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,525.90 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $332,119.62. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $332,119.62.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 receives social security and retirement income.<br> BWR2 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows loan did not meet seasoning requirements for xx. xxrefinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied."<br> \* VA insurance is not active (xxsubject loan has a single-premium MI plan and full amount for xx." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. <br>Loan failed TILA foreclosure recession finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XX.XX. <br>TRID total of payment disclosed on final CD as $XXX,XXX.XX. Calculated total of payments is $xx for an under disclosed amount of -$XXX.XX. The disclosed total of payments of $xx is not considered accurate due to it is understated by more than $XXX.<br>The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects lender credit at $X,XXX.XX; the final CD dated xx/xx/XXXX reflects the lender at $X,XXX.XX. This is a decrease of -$XXX.XX for a fee that has a X% tolerance test. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU xx, and its recommendation is "xxwith a DTI of XX.XX%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $11641.88 | 12/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5642.85 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 4 Family | xx | xx | Primary | Yes | Yes | No | 797 | Not Applicable | 47.328% | First | Short Form Policy | Not Applicable | Not Applicable | 04/05/2022 | $1257806.37 | Not Applicable | 3.250% | $5474.05 | 06/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $6,968.56 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,474.05 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $1,163,655.60. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $1,163,655.60.<br> As per the tape, the subject property is owner-occupied.<br> No details regarding the damage to the subject property have been observed.<br> As per the modification agreement, the loan was modified on xx/xx/2022.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 13.08 years on the job as a property accountant with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, a married woman, and the lender, xx, on xx/xx/2022. As per the modified term, the new principal balance is $1,257,806.37. The monthly xxis $5,474.05 with an interest rate of 3.250% beginning on xx/xx/2022 and a maturity date of xx/xx/2052. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the borrower xx on the credit report and has no access to the FICO score." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the xx,XXX.XX. xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU xx, and its recommendation is xxwith a DTI of XX.XX%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $6396.05 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1891.79 | 2.750% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Not Applicable | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 734 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> There are X active prior mortgages against the subject property. The first prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with the xxsecond prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,728.53 (xx), which was applied to the due date of xx/xx/2026. The current xxis $1,891.79 with an interest rate of 2.750%. The current UPB as reflected in the payment history is $404,468.41. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB as reflected in the payment history is $404,468.41.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* VA insurance is not active (xxtape shows the subject loan is not VA insured." | \* Loan does not conform to program guidelines (xxfile show the subject did not meet the VA XXX-day seasoning period. Subject closed on xx/xx/XXXX." | \* xxloan failed the TRID rate lock disclosure delivery date test.<br> The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxservice providers list is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3532.90 | 12/19/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Unavailable | Not Applicable | xx | Not Applicable | $864.42 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 25.786% | First | Final policy | Not Applicable | Not Applicable | 08/01/2011 | $162788.48 | Not Applicable | 4.500% | $703.63 | 08/01/2011 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are four active state tax liens against the borrower xx, xx, which were recorded on xx/xx/XXXX, xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX in the total amount of $X,XXX.XX. xx.<br> There is a credit card judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,019.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $497.73 with an interest rate of 2.000%. The current UPB reflected as per the payment history is $109,362.26. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $109,362.26.<br> As per collection comment dated xx/xx/2025, the reason for the default is illness of the borrower.<br> As per collection comment dated xx/xx/2025, the subject property is owner occupied.<br> As per the modification agreement, the loan was modified on xx/xx/2011.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case #xx. xxwas dismissed on xx/xx/2008 and terminated on xx/xx/2008.<br> Foreclosure Comments:Not Applicable<br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case #xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $120,000.00. The unsecured portion is $26,000.00. xxwas filed by the creditor, xx, on xx/xx/2005, with the secured claim amount of $xx and the arrearage amount of $11,802.81. The approved xx. The borrower xx.00 for 56 months to the trustee under the Chapter 13 plan. There is no comment indicating a cramdown. xxwas dismissed on xx/xx/2008 and terminated on xx/xx/2008. | The step modification agreement was signed between the borrower, xx, and lender, xx, with an effective date of xx/xx/2011, and the new modified unpaid principal balance is $162,788.48. The modified monthly xx.73 with an interest rate of 2.000% starting on xx/xx/2011, which will be changed in 04 steps until the new maturity date of xx/xx/2050. The rate will change in 04 steps, which end with 4.500%. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | xx<br> Missing or error on the xx<br> xx | xx | 3: Curable |  | \* xxfile show all xxdisclosures are missing and compliance testing is incomplete. CE was tested using the settlement statement available in the loan file."<br> \* Loan does not conform to program guidelines (xxfile show credit and underwriting documents are missing. Further details not provided. Subject loan originated on xx/xx/XXXX." | \* xxloan failed the xxtest as the final TIL is missing from the loan documents."<br> \* xxis missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxmissing or unexecuted (xxis missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5213.74 | 01/08/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $995.60 | 4.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 688 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of combined taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst installment of combined taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,081.01 (xx), which was applied for the due date of xx/xx/2026. The current xxis $995.60 with an interest rate of 4.375%. The current UPB is $175,931.66. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $175,931.66.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 10 months on this job as a manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> Transmittal (xx) | xx | 3: Curable |  | \* xxlost note affidavit available in the file located at "xx, destroyed or lost. A duplicate copy of the note is available in the loan file located at "xx " The tape defect shows as the image file contains a lost note affidavit with a copy of the executed note." | \* xxis "xxloan failed the xxthreshold test due to the APR calculated at X.XXX% exceeding the APR threshold of X.XXX% by +X.XXX%."<br> \* xxloan failed the TRID xx<br> \* xxtest xxloan failed the higher-priced mortgage loan test (xx)(xx)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is not compliant with regulation XXXX.XX(xx), (xx), and (xx)."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* xxsigned by loan originator is missing from the loan files."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* Transmittal (xx) is xxtransmittal summary is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1684.22 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $889.03 | 3.125% | 335 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Streamline Refinance | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior partial-claim mortgage against the subject property originated on xx/xx/XXXX in favor of the xxamount of $xx which was recorded on xx/xx/XXXX. As per the subordination agreement located at "Ln#xx," which was recorded on xx/xx/XXXX, the subject mortgage was subordinated with the mortgage dated xx/xx/XXXX. <br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,294.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $889.03 with an interest rate of 3.125%. The current UPB is $175,252.93.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $175,252.93.<br> As per the comment dated xx/xx/2024, the RFD is curtailment of income.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject loan is not FHA insured." | \* Loan does not conform to program guidelines (xxshows the loan did not meet seasoning requirements for an FHA streamline refinance. Further details not provided. The subject originated on xx/xx/XXXX." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $269053.00 | 01/16/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1028.44 | 2.250% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 666 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> The subject mortgage was re-recorded on xx/xx/XXXX to correct the legal description.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,638.94 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,028.44 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $237,365.54. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $237,365.54.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows in xxstreamline refinance loans, there should be a waiting period, or gap, of XXX days between the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. On this loan, the waiting period is not satisfied."<br> \* xxsubject loan has a single-premium MI plan and full amount for xx." | \* xxloan failed the TRID rate lock disclosure delivery date test. Subject loan is refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3568.10 | 01/15/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $929.39 | 2.625% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 44.045% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX were due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX were paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,367.35 (xx), which was applied for the due date of xx/xx/2026. The current xxis $929.39 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $93,555.79.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $93,555.79.<br> Unable to determine the reason for default.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 16.75 years on the job as a general contractor at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxfile show no appraisal, as the subject closed without an appraisal report and the PIW disclosure signed by the borrower xx. Zillow search shows an estimated value of $XXXK. Current UPB is $XXK." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the xx,XXX.XX. xxdated xx/xx/XXXX reflects the xx,XXX.XX. This is an increase in fee of +$X.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx" |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5390.54 | 12/29/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $962.94 | 2.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 737 | 753 | 43.739% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,537.69 (xx), which was applied for the due date of xx/xx/2026. The current xxis $962.94 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $204,630.93. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $204,630.93.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 17.44 years on the job as a certified nursing assistant with xx. <br> BWR2 has 1.83 years on the job as a factory worker with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject is not FHA insured." | \* Loan does not conform to program guidelines (xxshows loan not eligible for xx. Further details not provided. Subject originated on xx/xx/XXXX." | \* xxloan failed the TRID xx<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3822.40 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1280.96 | 2.250% | 351 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 628 | 641 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active prior UCC lien against the subject property in favor of XXXX, which was recorded on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,817.61 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,280.96 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $289,896.33. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $289,896.33.<br> As per tape, the subject property is owner-occupied.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamlined refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX."<br> \* xxsubject loan has a single-premium MI plan, and the full amount for xx." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. xxdated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxborrower's intent to proceed is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $811.82 | 11/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $705.61 | 4.250% | 291 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | No | xx | xx | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 561 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior UCC lien against the borrower xx on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,071.07 (xx), which was applied for the due date of xx/xx/2025. The current xxis $705.61 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $104,593.87. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $104,593.87.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Subject loan approved as a streamline refinance loan.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* MI, xxmissing and required (xxloan guaranty certificate is missing from the loan document.<br> xx/xx/XXXX The seller commented as loan disclosed on bid tape as xxloan."<br> \* VA insurance is not active (xxshows subject VA loan is not insured." | \* Loan does not conform to program guidelines (xxshows the VA loan guaranty certificate is missing from the loan file, and MI was refunded, as the loan is uninsured due to the veteran's prior xxloan. Further details not provided."<br> \* xxsubject loan has a single-premium MI plan and full amount for xx." | \* xxfile show the evidence of BWR receipt for the revised CD is missing."<br> \* xxmissing; loan has escrows (xxescrow account disclosure signed by the borrower xx."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $3628.92 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1223.68 | 5.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 729 | Not Applicable | 39.131% | First | Short Form Policy | Not Applicable | Not Applicable | 06/01/2022 | $258732.38 | Not Applicable | 3.620% | $1179.95 | 07/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a writ of fieri facias (xx) against the borrower xx, N.A., which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,994.26 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,179.95 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $240,469.90. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $240,469.90.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2022.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 12 years on the job as a branch manager at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2022. As per the modified term, the new principal balance is $258,732.38. The monthly xxis $1,179.95 with an interest rate of 3.625% beginning on xx/xx/2022 and a maturity date of xx/xx/2052. There is no deferred balance and principal forgiven amount. The loan has been modified twice since origination. | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* xxlost note affidavit available in the file located at "xx, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx The tape shows a defect, as the file contains a lost note affidavit with a copy of the executed note." | \* xxfile show the initial CD and any corresponding documentation are missing, along with a revised xxissued within three business days reflecting the change in loan program from xxdetails not provided. Subject originated on xx/xx/XXXX."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as the initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxborrower's intent to proceed is missing from loan documents."<br> \* xxis missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4497.17 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1481.66 | 3.375% | 319 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | No | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 795 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual county taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,165.92 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,481.66 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $276,531.12. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $276,531.12.<br> As per the servicing comment dated xx/xx/2025, the borrower xx on xx/xx/2025. The nature of the damage, the cost of repair are not available in the servicing comments. Comment dated xx/xx/2025 states that repairs were in progress. Further details are not provided. <br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* MI, xxmissing and required (xxloan guaranty certificate is missing from the loan document. Tape shows subject VA loan is not insured."<br> \* VA insurance is not active (xxtape shows the subject loan is not VA insured.<br>xx/xx/XXXX Seller commented as loan disclosed on bid tape as uninsured VA loan." | \* Loan does not conform to program guidelines (xxshows the loan is not eligible as a xx. Further details not provided. Subject originated on xx/xx/XXXX." | \* xxborrower's intent to proceed is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1455.71 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1026.61 | 2.875% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 786 | 784 | 15.534% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are two criminal judgments against the borrower, xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,225.77 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,026.61 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $106,178.85. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $106,178.85.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape, the property occupancy is stated as an investor.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 and BWR2 receive social security and retirement income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* xxis missing (xxagreement is missing from the loan file." | \* Loan does not conform to program guidelines (xxfile show the loan was underwritten to FNMA as the loan closed with an appraisal waiver. As per the updated xxfindings, a full appraisal is required due to the subject property being NOO." | \* Appraisal incomplete (xx) (xxsubject loan was closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated value at $XXXK. Current UPB is $XXXK." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2433.37 | 12/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1063.47 | 2.750% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Not Applicable | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 746 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | 11/19/2021 | $260499.00 | Not Applicable | 2.250% | $995.75 | 09/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,335.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $995.75 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $224,374.98. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $224,374.98.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2021.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx. Barnes, and the lender, xx, on xx/xx/2021. As per the modified term, the new principal balance is $260,499.00. The monthly xxis $995.75 with an interest rate of 2.250% beginning on xx/xx/2021 and a maturity date of xx/xx/2051. There is no deferred balance and no principal forgiven amount. | Missing or error on the xx | xx | 4: Unacceptable | \* VA insurance is not active (xxshows the subject loan is VA not insured." | \* Loan does not conform to program guidelines (xxshows the loan was not eligible for xx.XX%. The loan is insured by VA per xx | \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$XXX.XX. <br>The loan failed the TILA foreclosure rescission finance charge test due to calculated finance charge of $xx exceeds the disclosed finance charge of $xx by -$XXX.XX. <br>The TRID total of payment disclosed on the final CD is $XXX,XXX.XX. The calculated total of payments is $xx for an under disclosed amount of -$XXX.XX. The disclosed total of payments of $xx is not considered accurate and it is understated by more than $XXX.<br>The subject loan is refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3230.00 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1049.11 | 5.999% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 668 | Not Applicable | 49.456% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are no active judgments or liens that have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual water charges from XXXX have been delinquent in the amount of $XXX.XX, which is good through xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount $1,418.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,049.11 with an interest rate of 5.999%. The current UPB is $160,191.50. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $160,191.50.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Transmittal (xx) | xx | 4: Unacceptable | \* AUS is missing (xxreport is missing from the loan documents." | \* xxshow the subject loan failed the QM points and fees test, HPML, and safe harbor. Further details not provided." | \* xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx).<br>The loan failed the qualified mortgage safe harbor threshold due to the APR calculated at X.XXX%, which exceeds the APR threshold of X.XXX% by +X.XXX%."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* xxexceeds XX% (xx) is xxtransmittal summary is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3389.45 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1690.12 | 2.750% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 664 | Not Applicable | 50.769% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The Xst installment of combined taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of combined taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,436.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,690.12 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $374,670.50. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current xxis $1,690.12 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $374,670.50.<br> As per the comment dated xx/xx/2025, the reason for default is illness of the borrower.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.58 years on the job as a truck driver with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX." | \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU xx, and its recommendation is "xxwith a DTI of XX.XX%." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $292.61 | 4.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 666 | Not Applicable | 30.363% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx.<br> There are no active judgments or liens that have been found.<br> The property tax status is not available in UT. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $478.51 (xx), which was applied for the due date of xx/xx/2025. The current xxis $292.61 with an interest rate of 4.500%. The current UPB is $51,933.43. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $51,933.43.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> As per the seller's tape, the subject property is non-owner-occupied.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 11 months on the job as a maintenance technician at xx. BWR has prior employment experience as a certified nurse aide with the xx, Pennsylvania, between xx/xx/2003 and xx/xx/2018 for 15.43 years. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis missing (xxagreement is missing from the loan document." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1487.24 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1079.65 | 2.250% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Not Applicable | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 692 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,553.57 (xx), which was applied to the due date of xx/xx/2025. The current xxis $1,079.65 with an interest rate of 2.250%. The current UPB, as reflected in the payment history, is $246,936.51. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB, as reflected in the payment history, is $246,936.51.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>There is no employment history of the BWR in the comments.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* VA insurance is not active (xxtape shows the subject loan is not VA insured." | \* Loan does not conform to program guidelines (xxfile show subject did not meet the VA XXX-day seasoning period for xx. Subject closed xx/xx/XXXX." | \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3790.08 | 01/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1272.41 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 718 | Not Applicable | 28.148% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,350.98 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,272.41 with an interest rate of 3.00%. The current UPB reflected as per the payment history is $246,708.09. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $246,708.09.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner occupied.<br> BWR has 5 years on the job as a systems admin with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxtape and file show the subject loan was closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated value at $XXXxxcurrent UPB is $XXXK." | \* xxloan fails the compliance delivery and timing test for the CD dated xx/xx/XXXX. The document tracker is missing, and X business days were added to get the receipt date of xx/xx/XXXX, which is on the consummation date of xx/xx/XXXX."<br> \* xxloan failed the TRID xx.XX(xx)(xx)(xx)(xxdisclosure advising of the revised interest rate, points, lender credits, and any other interest rate-dependent charges and terms was not provided to the borrower xx on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5334.34 | 12/19/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1746.93 | 1.750% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 802 | 807 | 28.423% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The first and second installments of county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,329.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,746.93 with an interest rate of 1.750%. The current UPB is $425,681.25. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $425,681.25.<br> Unable to determine the RFD.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 14.78 years on the job as a xx.S. marshal with the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxfile show the final executed CD is missing Page xx of X and CE was tested using initial CD."<br> \* Loan does not conform to program guidelines (xxrefinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired.<br>Loan failed charges than in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and Recording fee at +$X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of xxfee at $X,XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents.<br>TRID Violation due to decrease in xxon xxdated xx/xx/XXXX. xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx.XX. This is decrease of $XX.XX for fee which has X% tolerance test."<br> \* xxborrower's intent to proceed is missing from the loan documents." | \* XX Risk Indicator is "Moderate" (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "\*\*\* Duplicate Finding \*\*\*" | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other | xx | $0.00 | $4183.04 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2126.38 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 796 | Not Applicable | 44.904% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There are multiple state tax liens against the borrower xx and Finance, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $XX,XXX.XX.<br> There are X ECB liens against the borrower xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $XXX.XX. <br> There are two child support warrants against the borrower xx and Finance, which were recorded on xx/xx/XXXX with warrant xxamount of $X,XXX.XX.<br> There are multiple prior child support liens, civil judgments and PVB against the borrower xx on different dates.<br> The annual Xst, Xnd, and Xrd installments of borough taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> The annual Xth installment of Borough taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utility/MUD charges for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX are delinquent in the amount of $XXX.XX, which is due on xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,315.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,126.38 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $431,273.62. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $431,273.62.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> BWR has 1.08 years on the job as a gas field operator at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 2: Acceptable with xx |  |  | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID rate lock disclosure delivery date test.<br> The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect points—loan discount fee. xxdated xx/xx/XXXX reflects xx,XXX.XX.<br> The loan estimate dated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. xxdated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx.XX%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6203.94 | 12/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $691.46 | 4.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 644 | 640 | 27.125% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a xx<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,422.23 (xx), which was applied for the due date of xx/xx/2025. The current xxis $691.46 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $118,230.05. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB, reflected as per the payment history, is $118,230.05.<br> As per the tape, the subject property is owner-occupied.<br> No comment related to damage or repair is found in the servicing comments. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 9 years on the job as a business analyst at xx.<br> BWR2 has 1 year on the job as a processing supervisor at xx. Previously, BWR2 had 3.58 years on the job as a business analyst at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxtape shows the subject loan is not FHA insured." | \* xxreport show the loan failed the APR test due to an APR calculated at X.XXX%, which exceeds the APR threshold of X.XXX% by +X.XXX%." | \* xxloan failed the TRID xx<br> \* xxtest xxloan failed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx), and (xx). The loan failed the xxthreshold test due to the APR being calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. The loan failed the xxthreshold test due to the APR being calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4714.48 | 12/10/2025 | xx | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2060.32 | 5.999% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 652 | 641 | 49.499% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX/XXXX was paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,471.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,060.32 with an interest rate of 5.990%. The current UPB reflected as per the payment history is $314,588.13. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $314,588.13.<br> As per the servicing comment dated xx/xx/2024, the reason for default is excessive obligations.<br> As per the comment dated xx/xx/2025, the subject property is occupied by an unknown party. <br> The foreclosure was initiated in 2025 with the loan. As per the notice of default located at "Ln#xx," the foreclosure complaint was filed on xx/xx/2025 in favor of xx, which was recorded on xx/xx/2025. As per the notice of rescission located at "Ln#xx," the foreclosure case has been canceled on xx/xx/2025. As per the servicing comment dated xx/xx/2025, the foreclosure file has been closed due to the loan reinstatement. Further details not provided.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 14.17 years on the job as a clean quality consultant with xx. BWR2 has 2.73 years on the job as a xx.<br> Foreclosure Comments:The foreclosure was initiated in 2025 with the loan. As per the notice of default located at "Ln#xx," the foreclosure complaint was filed on xx/xx/2025 in favor of xx, which was recorded on xx/xx/2025. As per the notice of rescission located at "Ln#xx," the foreclosure case has been canceled on xx/xx/2025. As per the servicing comment dated xx/xx/2025, the foreclosure file has been closed due to the loan reinstatement. Further details not provided.<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* Guideline is missing (xxis a manually underwritten loan. Reaching out to the seller for the guidelines.<br>xx/xx/XXXX: Seller confirmed that seller does not have guidelines." | \* xxcompliance report shows the subject is an HPML loan and fails the QM safe harbor threshold test." | \* xxloan failed the higher-priced mortgage loan test (xx)(xx)) as an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx). The loan failed the xxhigher-priced mortgage loan test due to an APR calculated at X.XXX% exceeding the APR threshold of X.XXX% by +X.XXX%. The loan failed the qualified mortgage safe harbor threshold due to the APR calculated at X.XXX%, which exceeds the APR threshold of X.XXX% by +X.XXX%."<br> \* xxmissing; loan has escrows (xxinitial escrow account disclosure signed by the borrower xx."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX. The loan is manually underwritten." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4283.18 | 12/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1089.98 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 742 | Not Applicable | 24.361% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior mortgage against the subject property originated on xx/xx/XXXX in favor of the MERS as nominee for xx, a limited liability company in the amount of $xx which was recorded on xx/xx/XXXX. <br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,491.20 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,089.98 with an interest rate of 3.250%. The current UPB is $226,432.58. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $226,432.58.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 1.16 years on the job as an xx. Previously, BWR had multiple jobs in the last two years in the same line of work.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* xxinfinity compliance report show the loan failed the X% tolerance tests and did not provide a reimbursement amount to cure."<br> \* Loan does not conform to program guidelines (xxsubject mortgage was originated on xx/xx/XXXX by the borrower xx, which was recorded on xx/xx/XXXX. As per the short form policy located at "xx," the date of the policy was xx/xx/XXXX, which is before the mortgage recording date. The tape defect shows the short-form policy is dated as the date of the subject mortgage, and it does have the language "or recording date, whichever is later."" | \* Appraisal incomplete (xx) (xxsubject loan was closed without an appraisal. xxdisclosure signed by the borrower xx. Zillow search shows an estimated value at $XXXK. Current UPB is $XXXK."<br> \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows income miscalculation. Further details were not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as an xx, FICO XXX, and XXXX in the last XX months."<br> \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed the TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxborrower's intent to proceed is missing from loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4577.28 | 12/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $941.47 | 2.250% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Not Applicable | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 697 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,434.09 (xx), which was applied for the due date of xx/xx/2025. The current xxis $941.47 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $214,705.03. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $214,705.03.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br>The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* VA insurance is not active (xxshows the subject loan is not insured." | \* Loan does not conform to program guidelines (xxshows the loan does not meet the xxseasoning requirement. Further details not provided." | \* XX TRID Tolerance Test Failed (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. xxdated xx/xx/XXXX reflects lender credit at $XXX.XX. xxdated xx/xx/XXXX reflect lender credit at $XXX. This is decrease of -$XXX, for fee which has X% tolerance test. xxdecrease in NSLC is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $31556.41 | 12/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6015.44 | 4.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 742 | 781 | 39.388% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active prior state tax warrant against the borrower xx, which was recorded on xx/xx/XXXX with warrant ID #xx,XXX.XX.<br> There is a hospital lien against the borrower xx., which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> There is a credit card judgment against the borrower xx, Bank, N.A., which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The annual installment of county taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $9,186.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $6,015.44 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $1,005,667.92. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $1,005,667.92.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.41 years on the job as a senior staff writer at xx. Previously, BWR1 had 7.41 years on the job as a writer at xx. Additionally, BWR1 has been SE as a lecturer. <br> BWR2 has been SE for 3 years as a realtor and interior designer.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* Guideline is missing (xxloan is a manually underwritten loan. Reaching out to the seller for the guidelines.<br>xx/xx/XXXX: Seller confirmed that seller does not have guidelines." | \* xxshows loan failed revised LE, initial CD, and PCCD delivery date test. xxcompliance report failed the delivery and timing test. Further details were not provided." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the xxtest because the calculated APR of X.XXX% exceeds the APR threshold of X.XXX% variance by - X.XXX%. The loan failed the TILA finance charge test due to the finance charge disclosed on the final CD as $XXX,XXX.XX. The calculated finance charge is $xx for an under disclosed amount of -$XX,XXX.XX. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test.<br> The initial loan estimate dated xx/xx/XXXX does not reflect an appraisal re-inspection fee. The final CD dated xx/xx/XXXX reflects an appraisal re-inspection fee of $XXX.XX. The initial loan estimate dated xx/xx/XXXX does not reflect an appraisal review fee. The final CD dated xx/xx/XXXX reflects an appraisal review fee of $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired.<br>This loan failed the initial closing disclosure delivery date test due to the initial CD being dated xx/xx/XXXX. The document tracker is missing, and X business days were added to get receipt date xx/xx/XXXX, which is less than six business days before the consummation date of xx/xx/XXXX.<br>This loan failed the TRID rate lock disclosure delivery date test."<br> \* xxmissing; loan has escrows (xxescrow account disclosure signed by the borrower xx."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1973.58 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1034.24 | 2.250% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual installment of sewer charges for XXXX has been delinquent in the amount of $XX.XX, which was good through xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,383.62 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,034.24 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $237,677.91. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $237,677.91.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows in xxstreamline refinance loans, there should be a waiting period, or gap, of XXX days between the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. On this loan, the waiting period is not satisfied."<br> \* VA insurance is not active (xxsubject loan has a single-premium MI plan and full amount for xx." | \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4872.78 | 12/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1714.04 | 5.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 787 | Not Applicable | 39.397% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with Book xx, Page xx, in the amount of $xx with xx.<br> There are X active junior mortgages against the subject property. The first mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with Book xx, Page xx, in the amount of $xx with the xxsecond mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with Book xx, Page xx, in the amount of $xx with xx.<br> The Xst and Xnd installments of county taxes for XXXX/XXXX/XXXX have been paid in the total amount of $xx on different dates.<br> The annual utilities/MUD charges for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,381.31 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,714.04 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $275,372.18. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $275,372.18.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 3 years on the job as a salon manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* xxis not active (xxshows subject is not insured." |  | \* Cash out purchase (xxsubject loan is purchase case. xxdated xx/xx/XXXX reflects cash to in the amount of $X,XXX.XX."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and Recording fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of xxfee at $X,XXX.XX. This is a cumulative increase of $XXX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* xxis missing. (xxcounseling disclosure is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* xxservice providers list is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/24/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $584.20 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 34.495% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The tax status is to follow.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,210.68 (xx), which was applied for the due date of xx/xx/2026. The current xxis $584.20 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $117,356.95. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $117,356.95.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.41 years on the job as a fleet facility with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx<br> Transmittal (xx) | xx | 2: Acceptable with xx |  |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows lender could not verify BWR employment status at closing. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a fleet facility with xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject."<br> \* Missing credit report (xx) is xxtransmittal summary is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6469.94 | 12/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1703.39 | 2.125% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 819 | Not Applicable | 24.997% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual water charges for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,759.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,703.39 with an interest rate of 2.125%. The current UPB reflected as per the payment history is $189,350.21. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $189,350.21.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 13.58 years on the job as a pharmacist with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxper the tape defect, the co-borrower's middle name is spelled out on the title policy, whereas only the middle initial appears on the original title. This is now being corrected. According to the final title policy, the borrowers are listed as xxupdated title report reflects the borrower xx. xxamended title policy located at "xxshows the borrowers as xx | \* xxis "xxinitial closing disclosure receipt date of xx/xx/XXXX is less than three business days before the consummation date of xx/xx/XXXX."<br> \* xxfailed the TILA finance charge test. Finance charge disclosed on the final CD is $XX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XXX.XX. The subject loan is a refinance case that originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxproceed is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $4785.37 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $498.17 | 2.250% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 675 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior mortgage against the subject property, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a limited liability company.<br> There are two active prior municipal liens against the subject property in favor of xx, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the amount of $X,XXX.XX.<br> There is a UCC financing statement against the borrower xx., which was recorded on xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,152.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $498.17 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $112,619.57. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $112,619.57.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* xxfailed PA license validation test."<br> \* Loan does not conform to program guidelines (xxshows the loan does not meet the xxseasoning requirement. Further details not provided." | \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $13502.30 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1957.80 | 3.000% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | 11/25/2024 | $448174.32 | Not Applicable | 4.000% | $2139.65 | 12/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a prior UCC lien against the borrower xx., which was recorded on xx/xx/XXXX.<br> The first installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the total amount of $X.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,489.96 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,139.65 with an interest rate of 4.000%. The current UPB is $440,281.83. | Collections Comments:According to the servicing comments, the current status of the loan is collections.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2025. The current UPB is $440,281.83.<br> As per the comment dated xx/xx/2025, the reason for default is excessive obligations.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the subject property was damaged due to last year's flooding, and the subject property had a water leak; the repairs were completed for around $50xxper the comment dated xx/xx/2025, they had to replace the whole 1st floor and kitchen. As per the comment dated xx/xx/2025, the borrower xx on xx/xx/2025. No comments have been found regarding the estimated cost to repair the damages or the completion of the repairs.<br> As per the comment dated xx/xx/2025, the borrower xx, which starts from xx/xx/2025 to xx/xx/2026 with a monthly amount of $3,335.93.<br> The loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx. Julio, and the lender, xx, on xx/xx/2024. As per the modified term, the new principal balance is $448,174.32. The monthly xxis $2,139.65 with an interest rate of 4.000% beginning on xx/xx/2024 and a maturity date of xx/xx/2054. There is no deferred balance and principal forgiven amount. | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxrefinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied."<br> \* xxlost note affidavit available in the file located at "xx, destroyed, or lost. A duplicate copy of the note is available in the loan file located at "xx." As per the tape defect, the image file contains a lost note affidavit dated xx/xx/XXXX with a copy of the executed note."<br> \* xxsubject loan has a single-premium MI plan and full amount for xx." | \* xxproceed disclosure is missing from the loan documents."<br> \* Missing or error on the xxlock agreement is missing from the loan documents."<br> \* Missing proof of hazard insurance (xxhazard insurance is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | Second | xx | $0.00 | $8989.90 | 12/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1660.03 | 3.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 761 | 798 | 34.962% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior PACE lien against the subject property in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> There is a prior credit card judgment against the borrower, xx., which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX. xxmentioned on the supporting document is inconsistent with the subject borrower.<br> There is a civil judgment against the borrower xx, a California limited partnership, which is recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The Xnd installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,396.12 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,660.03 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $340,892.28. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $340,892.28.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR1 has 20.91 years on the job as a controller at xx. Additionally, BWR1 receives social security and disability income.<br> BWR2 has 15 years on the job as a teacher at the xx, BWR2 receives social security and disability income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxloan closed without an appraisal. PIW disclosure signed by the borrower xx. Zillow search shows an estimated value at $XXXK. Current UPB is $XXXK."<br> \* Loan does not conform to program guidelines (xxshows only a title commitment was provided, and a final title policy has not been issued. A corrected title policy is being obtained. The short form policy is available in the loan file located at "xx." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX reflects xx.XX. CD dated xx/xx/XXXX reflects xx.XX.<br> Loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX.<br> This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $13036.09 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2143.29 | 4.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | Yes | Unavailable | Not Applicable | 44.037% | First | Final policy | Not Applicable | Not Applicable | 02/28/2022 | $365390.33 | Not Applicable | 4.875% | $2143.29 | 03/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active prior civil judgment against the borrower xx., which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> There are three junior civil judgments against the borrower xx, xx, xx, which are recorded on xx/xx/XXXX, xx/xx/XXXX and xx/xx/XXXX in the total amount of $XX,XXX.XX.<br> There is an IRS lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XXX,XXX.XX.<br> The Xst installment of school taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of school taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xst and Xnd installments of combined taxes for XXXX are due in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,268.78 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,143.29 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $332,138.34. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB, reflected as per the payment history, is $332,138.34.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2022.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.16 years on the job as a claims adjuster with xx.<br> BWR2 has 3.91 years on the job as a manager with xx. Additionally, BWR2 has 5.66 years on the second job as a manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2022. As per the modified term, the new principal balance is $365,390.33. As per the modification agreement, the monthly xxinterest did not change; it will be charged as per the xxloan was modified to extend the maturity till xx/xx/2046. | xx<br> xx<br> xx<br> Missing or error on the xx<br> Transmittal (xx) | xx | 4: Unacceptable | \* AUS is missing (xxreport is missing from the loan documents."<br> \* xxis not active (xxout to the seller to verify active PMI status." |  | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. ATR could not be determined as XXXX, AUS, and loan approval are missing from the loan documents. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as a claims adjuster with xx. BWRX has X.XX years on the job as a manager with xx. Additionally, BWRX has X.XX years on the second job as a manager at xx, XXXX in the last XX months, and $XXXK equity in the subject."<br> \* xxloan failed the xxsubprime home loan initial GFE disclosure date validation test due to the loan has a closing date on or after February XX, XXXX, and the initial GFE disclosure date was not provided."<br> \* xxmissing or unexecuted (xx) is xxtransmittal summary is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | No | Not Applicable | Second | xx | $0.00 | $9798.12 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3860.33 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 661 | Not Applicable | 38.319% | First | Short Form Policy | Not Applicable | Not Applicable | 02/18/2021 | $715229.51 | Not Applicable | 5.750% | $4324.39 | 03/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx, xx<br> There is an active HOA lien against the subject property in favor of xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> There is an active prior UCC lien against the subject property in favor of xx., which was recorded on xx/xx/XXXX.<br> There is a civil judgment against the borrower xx., which was recorded on xx/xx/XXXX in the amount of $XXX,XXX.XX.<br> There is a state tax lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The first installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $6,053.08 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,324.39 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $655,358.78.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $655,358.78.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the RFD is curtailment of income.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2021.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 25.33 years on the job as a senior vice president with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx. xx, and the lender, xx, as servicer for xx, LLLP, on xx/xx/2021. As per the modified term, the new principal balance is $715,229.51. The monthly xxis $4,324.39 with an interest rate of 5.750% beginning on xx/xx/2021 and a maturity date of xx/xx/2048. There is no deferred balance and principal forgiven amount.<br>| Missing or error on the xx | xx | 4: Unacceptable | \* AUS is missing (xxis missing from the loan documents." |  | \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3830.64 | 12/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1297.11 | 2.250% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 689 | 745 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a junior mortgage against the subject property that originated on xx/xx/XXXX and was recorded on xx/xx/XXXX in the amount of $xx with xx.<br> The first and second annual installments of county taxes for XXXX/XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,751.73 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,297.71 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $299,663.92. | Collections Comments:According to the servicing comments, the current status of the loan is performing<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $299,663.92.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Subject loan approved as a streamline refinance loan.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx<br> Transmittal (xx) | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan does not meet the xxseasoning requirement. Further details not provided." | \* xxis "xxloan failed TRID total of payments test due to charge $xx allow $xx less by -$XXX.XX."<br> \* xxfailed TILA foreclosure rescission finance charge test due to finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$XX.XX."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Settlement date is different from note date (xx) is xxloan analysis is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First | xx | $0.00 | $885.65 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1104.92 | 2.250% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 679 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active HOA lien against the subject property in favor of xxs xx, a Michigan nonprofit corporation, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> The annual utilities taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual county taxes for XXXX have been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The annual utility charges for XXXX are delinquent in the amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,475.83 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,104.92 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $258,343.16. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $258,343.16.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxfile show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3176.53 | 12/19/2025 | Unavailable | Unavailable | Unavailable | Chapter 13 | xx | Unavailable | Not Applicable | xx | Not Applicable | $1037.46 | 3.375% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 668 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 03/24/2017 | $252187.36 | Not Applicable | 4.625% | $1296.59 | 06/01/2017 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,749.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,296.59 with an interest rate of 4.625%. The current UPB reflected as per the payment history is $211,079.44. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $211,079.44.<br> As per the collection comment dated xx/xx/2025, the reason for default is unemployment.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2017.<br> No foreclosure activity has been found.<br> xx, the borrower, xx, Jr, filed bankruptcy under Chapter 13 with the case # xx. xxwas discharged on xx/xx/2024 and terminated on xx/xx/2024.<br>Foreclosure Comments:As per the document located at 0087220299_Pg#xx, the foreclosure was initiated in 2019. As per the notice of trustee's sale, the foreclosure sale was scheduled for xx/xx/2020. The foreclosure was placed on hold as the borrower xx on xx/xx/2019, and the bankruptcy was discharged on xx/xx/2024 and terminated on xx/xx/2024.<br> xx, the borrower, xx, Jr., filed bankruptcy under Chapter 13 with the case # xx. xxvoluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is $248,000.00. The unsecured portion is $16,745.00. xxwas filed by the creditor, xxon xx/xx/2020, with the secured claim amount of $xx and the arrearage amount of $25,441.39. The chapter 13 plan filed on xx/xx/2023 was confirmed on xx/xx/2023. The debtor shall pay to the trustee $xx between months 1 to 50, $3,552.02 each month for months 41 and 42, and $3,757.75 each month for months 42 to 60. There is no comment indicating a cram down. xxwas discharged on xx/xx/2024 and terminated on xx/xx/2024. | The modification agreement was made between the borrowers, xx and xx, and the lender, xx, on xx/xx/2017. As per the modified term, the new principal balance is $252,187.36. The monthly xxis $1,296.59 with an interest rate of 4.625% beginning on xx/xx/2017 and a maturity date of xx/xx/2047. There are no deferred balances or principal forgiven amounts. The loan has been modified two times since origination. | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows no file deficiency comments found during file review. Further details are not provided. The loan originated on xx/xx/XXXX."<br> \* xxsubject loan has a single-premium MI plan, and the full amount for xx." | \* xxis "xxfailed the xxtest due to fees charged $xx exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $X,XXX.XX<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $X,XXX.XX."<br> \* xxfailed TILA finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX. Loan failed TILA foreclosure rescission finance charge test due to finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $xx for an under disclosed amount of -$X,XXX.XX. Loan failed xxtest due to APR disclosed on final TIL as X.XXX%. xxis X.XXX% for an under disclosed APR of - X.XXX%."<br> \* Missing or error on the xxlock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3194.42 | 01/06/2026 | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1412.32 | 2.375% | 240 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Streamline Refinance | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 09/19/2023 | $256998.01 | Not Applicable | 4.000% | $1226.95 | 10/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The second installment of county taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,708.61 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,226.95 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $246,149.56. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $246,149.56.<br> As per the collection comment dated xx/xx/2025, the reason for default is curtailment of income.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2023.<br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/2024, the foreclosure was initiated in 2025 with the loan. As per the comment dated xx/xx/2024, the foreclosure complaint was filed on xx/xx/2024. As per the comment dated xx/xx/2024, the wire funds were received, and the loan has been reinstated. Further details were not provided.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:As per the comment dated xx/xx/2024, the foreclosure was initiated in 2025 with the loan. As per the comment dated xx/xx/2024, the foreclosure complaint was filed on xx/xx/2024. As per the comment dated xx/xx/2024, the wire funds were received, and the loan has been reinstated. Further details were not provided.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, as servicer for xx, on xx/xx/2023. As per the modified term, the new principal balance is $256,998.01. The monthly xxis $1,226.95 with an interest rate of 4.000% beginning on xx/xx/2023 and a maturity date of xx/xx/2053. There is no deferred balance and no principal forgiven amount. |  | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject is not FHA insured." |  | \* xxintent to proceed is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3184.78 | 01/12/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $885.69 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 761 | Not Applicable | 49.856% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst and Xnd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of sewer charges for XXXX has been delinquent in the total amount of $XXX.XX, which was due on xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,280.46 (xx), which was applied for the due date of xx/xx/2026. The current xxis $885.69 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $178,308.04. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $178,308.04.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been on the job for 1 month as security with xx.<br> BWR has prior employment experience as a case manager with xx.16 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxis not active (xxshows the subject loan is not insured. PH shows MI is active." |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower xx,XXX.XX and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx, and its recommendation is "xxwith a DTI of XX.XX%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4780.32 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1345.32 | 2.750% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 784 | 772 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior IRS lien in favor of the xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX. xx.<br> There is a prior credit card judgment and a prior civil judgment against the subject borrower in favor of different plaintiffs, which were recorded on xx/xx/XXXX and xx/xx/XXXX in the total amount of $X,XXX.XX. The middle name mentioned on supportive documents is inconsistent with the borrower's middle name.<br> There are XX civil judgments against the subject borrower in favor of the different plaintiffs, which were recorded on different dates in the total amount of $XX,XXX.XX.<br> The Xst and Xnd installments of combined taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,849.50 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,345.32 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $238,910.11. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $238,910.11.<br> As per the seller's tape, the subject property is owner-occupied.<br> No comment related to damage or repair is found in the servicing comments. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan did not meet seasoning requirements for a xxtransaction. Further details not provided. Subject originated on xx/xx/XXXX. FICO XXX."<br> \* xxsubject loan has a single-premium MI plan, and the full amount for xx." | \* xxborrower's intent to proceed is missing from loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $11480.59 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3928.14 | 4.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 770 | 803 | 30.452% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of town taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of town taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $5,547.77 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,928.14 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $704,184.67. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $704,184.67.<br> As per the tape, the occupancy of the subject property is stated as second home.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 20.75 years on the job as an attorney/shareholder with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* Guideline is missing (xxloan is a manually underwritten loan. Reaching out to the seller for the guidelines.<br>xx/xx/XXXX: Seller confirmed that seller does not have guidelines." |  | \* Missing or error on the xxlock agreement signed by the borrower xx" |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $9938.88 | 12/15/2025 | Unavailable | No | Unavailable | Chapter 13 | xx | Unavailable | Not Applicable | xx | Not Applicable | $1696.79 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 692 | Not Applicable | 55.031% | First | Final policy | Not Applicable | xx | 10/01/2022 | $304597.13 | $12983.76 | 5.750% | $2878.12 | 10/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument/book/page # xx.<br> There is a junior mortgage against the subject property that originated on xx/xx/XXXX and was recorded on xx/xx/XXXX in the amount of $xx with xx.<br> There is a junior civil judgment against the borrower xx, a company, which was recorded on xx/xx/XXXX in the amount of $XXX,XXX.XX.<br> The first and second installments of city taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The third installment of combined taxes for XXXX has been due in the amount of $X,XXX.XX, which is good through xx/xx/XXXX.<br> The fourth installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of utility charges for XXXX has been delinquent in the total amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,619.05 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,878.12 with an interest rate of 5.750%. The current UPB is $243,924.18, and the deferred balance is $12,983.76. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $243,924.18.<br> As per the tape, the subject property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2022.<br> xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case # xx. xxwas dismissed on xx/xx/2015 and terminated on xx/xx/2016.<br> As per the UT dated xx/xx/2026, the FC was initiated in 2010 and 2013. According to the latest certificate of judgment located at "Ln#xx, the judgment was filed on xx/xx/2013. Further details not provided.<br>Foreclosure Comments:As per the UT dated xx/xx/2026, the FC was initiated in 2010 and 2013. According to the latest certificate of judgment located at "Ln#xx, the judgment was filed on xx/xx/2013. Further details not provided.<br>xx, the borrower, xx, filed bankruptcy under Chapter 13 with the case # xx. xxwas dismissed on xx/xx/2015 and terminated on xx/xx/2016. | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2022. As per the modified term, the new principal balance is $xx and the deferred balance is $12,983.76. The monthly xxis $2,878.12 with an interest rate of 5.750% beginning on xx/xx/2022 and a maturity date of xx/xx/2035. There is no principal forgiven amount.<br>|  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3520.65 | 01/08/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2319.40 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 648 | Not Applicable | 54.068% | First | Final policy | Not Applicable | Not Applicable | 12/29/2022 | $448490.75 | Not Applicable | 4.870% | $2125.61 | 02/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are two credit card judgments against the borrower xx and xxtotal amount of $xx which were recorded on xx/xx/XXXX and xx/xx/XXXX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,415.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,125.61 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $437,096.39. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $437,096.39.<br> As per the comment dated xx/xx/2025, the reason for default is excessive obligations.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2022.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx. Joya, and the lender, xx, on xx/xx/2022. As per the modified term, the new principal balance is $448,490.75. The monthly xxis $2,125.61 with an interest rate of 4.875% beginning on xx/xx/2023 and a maturity date of xx/xx/2063. The loan has been modified twice since origination. |  | xx | 1: Acceptable |  |  |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $233.11 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $536.90 | 7.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Unavailable | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 03/02/2018 | $63161.75 | Not Applicable | 3.000% | $350.29 | 04/01/2018 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with xx.<br> There is a medical lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XXX.XX.<br> There is a credit card judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> There is a child support lien against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $X,XXX.XX.<br> The first installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The second annual installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $488.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $350.29 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $43,047.05. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $43,047.05.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the reason for default is illness of the borrower.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2018.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx., and the lender, xx, on xx/xx/2018. As per the modified term, the new principal balance is $63,161.75. The monthly xxis $350.29 with an interest rate of 3.000% beginning on xx/xx/2018 and a maturity date of xx/xx/2038. There is no deferred balance and principal forgiven amount. The loan has been modified twice since origination. | xx<br> xx<br> xx<br> Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows the subject loan is not FHA insured."<br> \* xxlost note affidavit available in the file located at "xx, destroyed, or lost. A duplicate copy of the note is available in the loan file located at "xx." Tape shows defect as loan file contains LNA with a copy of executed note." | \* xxmissing or unsigned (xxfinal HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents.<br>xx/xx/XXXX: Seller confirmed that HUD was disclosed as missing in the bid tape."<br> \* Loan does not conform to program guidelines (xxshows the file contains a lost note affidavit with a copy of the executed note; income, asset, credit, and lender approval documentation are missing with no origination documents available; no current credit score is available due to no recent reported account information; and required xxdisclosures, including the final TIL, are missing. Subject originated on xx/xx/XXXX." | \* xxis missing from the loan documents."<br> \* xxreport is missing from the loan documents. Zillow search shows an estimated value of $XXXK. Current UPB is $XXK."<br> \* Missing credit report (xxcredit report is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $3067.50 | 01/15/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3063.85 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 758 | Not Applicable | 50.403% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There are two junior civil judgments against the borrower xx, which were recorded on xx/xx/XXXX in the total amount of $XXX.XX.<br> The annual Xst, Xnd & Xrd installments of combined taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX.<br> The annual Xth installment of combined taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of water charges for XXXX has been delinquent in the amount of $XXX.XX, which is good through xx/xx/XXXX. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $4,420.46 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,063.85 with an interest rate of 3.250%. The current UPB, reflected as per the payment history, is $635,740.15. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $635,740.15.<br> As per the tape data, the subject property is owner-occupied.<br> No comment related to damage or repair is found in the servicing comments.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3 months on the job as a director of marketing at xx. BWR has prior SE for xx/xx/2014 and xx/xx/2021 for 6.83 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxsubject loan was closed without an appraisal. xxdisclosure signed by the borrower xx. "Zillow search shows an estimated value at $XM. Current UPB: $XXXK." | \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, the borrower xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx. pdf_Pg#xx, and its recommendation is "Accept" with a DTI of XX.XX%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 01/14/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1366.80 | 4.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 644 | 655 | 24.848% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a junior mortgage originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual installment of school taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,190.40 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,366.80 with an interest rate of 4.375%. The current UPB, reflected as per the payment history, is $253,732.34. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $253,732.34.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 3.66 years on the job as a senior project superintendent at xx. <br> BWR2 has 3.08 years on the job as a director of operations at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Transmittal (xx) | xx | 2: Acceptable with xx |  |  | \* xxfailed the higher-priced mortgage loan test (xx) (xx)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx) and (xx).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%."<br> \* Transmittal (xx) is xxsummary is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $273.69 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 754 | Not Applicable | 42.989% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior mortgage against the subject property, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a limited liability company.<br> The property tax status is "to follow." | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $628.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $273.69 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $57,102.53. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $57,102.53.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 21 years on the job as a process technician at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape shows "the final short-form title policy provided reflects the name of the insured as xx, xx, rather than the lender, xxshort-form policy is not dated the same date as the mortgage recording; it includes language for the date of the mortgage recording, whichever is later. The short form policy is located at xx shows the policy date is xx/xx/XXXX with language for the date of the mortgage recording, whichever is later, and provided the policy reflects the name of the insured as xx, xx | \* xxloan failed the Pennsylvania license validation test."<br> \* xxloan failed the TRID rate lock disclosure delivery date test.<br> The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First | xx | $0.00 | $4360.60 | 12/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1092.03 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 667 | Not Applicable | 32.893% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a prior civil judgment against the borrower xx.XX, which was recorded on xx/xx/XXXX.<br> There is an active junior civil judgment against the borrower xx.XX, which was recorded on xx/xx/XXXX.<br> The Xst and Xnd installments of village taxes for XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst and Xnd installments of combined taxes for XXXX are due in the total amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xst installment of school taxes for XXXX-XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of school taxes for XXXX-XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,402.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,092.03 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $233,615.47. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $233,615.47.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has been SE as a construction worker for 5 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows no evidence of lender documentation addressing the risk class caution required by xxguidelines. LP in file shows a risk class of caution with a DTI of XX%. Further details not provided. Subject loan originated on xx/xx/XXXX." | \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID rate lock disclosure delivery date test. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does not reflect xxdated xx/xx/XXXX reflects xx,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. xxincrease in fee is missing from the loan documents. <br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3160.18 | 12/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1181.40 | 2.875% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 638 | 743 | 49.301% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a writ of execution of credit card judgment against the borrower xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> For xx<br> The Xst and Xnd installments of county taxes for XXXX were paid in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd and Xth installments of county taxes for XXXX are due in the amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> For xx. X-XXX<br> The Xst and Xnd installments of county taxes for XXXX were paid in the amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> The Xrd and Xth installments of county taxes for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,829.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,181.40 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $254,768.74. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $254,768.74.<br> As per the collection comment dated xx/xx/2025, the reason for default is unemployment.<br> As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 7.91 years on the job as a medical assistant with xx. Additionally, BWR1 has 5.83 years on the job as a xx<br> BWR2 has 10.16 years on the job as an executive chef with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxtape shows the subject loan is not FHA insured." |  | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX%. Tape shows the lender did not address the uncleared CAIVRS alert and did not document evidence of debts being satisfied. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as a medical assistant with xx, BWRX has XX.XX years on the job as an executive chef with xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject."<br> \* xxborrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx, and its recommendation is xxwith a DTI of XX.XX%." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2979.68 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1025.94 | 4.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 771 | Not Applicable | 40.458% | First | Final policy | Not Applicable | xx | 03/06/2023 | $207818.18 | Not Applicable | 4.250% | $1022.34 | 04/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is an active junior mortgage against the property in favor of xx, which was recorded on xx/xx/XXXX with instrument # xx,XXX.XX.<br> There is an active junior mortgage against the property in favor of xx, which was recorded on xx/xx/XXXX with instrument # xx,XXX.XX.<br> There is a state tax lien against the borrower xx and xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX. xxmentioned on supportive documents is inconsistent with the borrower's SSN.<br> The Xst installment of county taxes for XXXX/XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX/XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,411.48 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,022.34 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $197,814.19.131 | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $197,814.19.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2023.<br> The appraisal report is as is, and the photo addendum shows that the property needs repairs for the bedroom ceiling. The estimated cost of repairs is not available. No evidence is available to confirm the current status of repairs. CCs do not show any damages.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.66 years on the job as an associate with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, on xx/xx/2023. As per the modified term, the new principal balance is $207,818.18. The monthly xxis $1,022.34 with an interest rate of 4.250% beginning on xx/xx/2023 and a maturity date of xx/xx/2053. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | xx | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxappraisal report is as is, and the photo addendum shows that the property needs repairs for the bedroom ceiling. The estimated cost of repairs is not available. XXXXD is missing from the loan document, and the final CD does not reflect the escrow holdback." | \* xxloan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date is less than three business days before the consummation date."<br> \* xxtotal TRID payment disclosed on the final CD is $XXX,XXX.XX. The calculated total of payments is $xx for an under disclosed amount of -$XXX.XX. The disclosed total of payments of $xx is not considered accurate. It is understated by more than $XXX. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $1557.34 | 12/22/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $266.80 | 12.499% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | No | Not Applicable | Not Applicable | 754 | 749 | 37.458% | Second | Unavailable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with instrument #xx.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $266.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $266.80 with an interest rate of 12.499%. The current UPB reflected as per the payment history is $24,176.84. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $24,176.84.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the reason for the default.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 8.50 years on the job at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> xx<br> xx<br> Transmittal (xx) | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan is in the Xnd xxnd xxdetails not provided." | \* Appraisal incomplete (xx) (xx)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete due to the initial CD is missing from the loan documents. The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxtest xxloan failed the higher-priced mortgage loan test (xx)(xx)) due to an APR calculated at XX.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx), and (xx). The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated, XX.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%."<br> \* xxproceed is missing from loan documents."<br> \* Missing flood cert (xx) is xxfinal transmittal summary is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4817.48 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2663.01 | 3.375% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 51.377% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is an active junior mortgage against the subject property in favor of xxamount of $xx which originated on xx/xx/XXXX and recorded on xx/xx/XXXX with the instrument #xx.<br> The Xst installment of Borough taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of Borough taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xrd installment of Borough taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xth installment of Borough taxes for XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,360.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,663.01 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $510,382.61. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $510,382.61.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> BWR has 1 year on the job as an additional district magistrate at the xx, BWR had 10 months on the job as an associate project manager at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | 1-4 xx<br> xx<br> xx<br> xx<br> Missing or error on the xx<br> xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject is not FHA insured." |  | \* xxfailed the FHA qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by - X.XXX%."<br> \* xxloan failed the xxsubprime home loan initial loan estimate delivery date validation test due to the initial loan estimate delivery date was not provided."<br> \* XX TRID xxis Incomplete (xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete, as the initial xxare missing from loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the SOL is X-year has expired."<br> \* xxfailed the xxpublic guidelines) xxtest due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX.<br>Loan failed the xxtest due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX."<br> \* xxis missing. (xxcounseling organizations disclosure is missing from the loan documents."<br> \* xxproceed is missing from the loan documents."<br> \* Missing credit report (xxreport is missing from the loan documents."<br> \* xxclosing disclosure is missing from the loan documents."<br> \* xxloan estimate is missing from the loan documents."<br> \* Missing or error on the xxlock agreement signed by the borrower xx."<br> \* Missing required X-X family rider (xxfamily rider is missing from the loan documents."<br> \* xxservice providers list is missing from the loan documents."<br> \* xxmissing or unexecuted (xxservicing transfer disclosure is missing from the loan documents."<br> \* xxexceeds XX% (xxfailed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by xx.XX%."<br> \* xxdefined by loan findings (xxfailed the xxtest due to fees charged $xx exceed fees threshold of $xx over by +$X,XXX.XX.<br> The below fees were included in the test:<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XX.XX<br> xxpaid by Borrower: $xx<br> xxpaid by Borrower: $XXX.XX<br> xxpaid by Borrower: $XXX.XX." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $520.92 | 12/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $764.62 | 4.999% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Mixed Use | xx | xx | Primary | Yes | Yes | No | 700 | 627 | 47.554% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The Xst, Xnd, and Xrd installments of county taxes for XXXX have been paid in the total amount of $X,XXX.XX on different dates.<br> The Xth installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,197.27 (xx), which was applied for the due date of xx/xx/2026. The current xxis $764.62 with an interest rate of 4.999%. The current UPB reflected as per the payment history is $121,497.00. <br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $121,497.00.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 24 years on the job as a utility technician at xx.<br> BWR2 has 8.58 years on the job as a custodian at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx<br> Missing or error on the xx | xx | 4: Unacceptable | \* xxinsurance is not active (xxshows subject is not FHA insured."<br> \* Property is xxappraisal report reflects the subject is a mixed-use property with two barn houses, where the borrower xx on the subject site and maintains animal pens. Further details not provided. Elevated for client review." | \* Appraisal incomplete (xx) (xxappraisal report is as-is. The improvement and the photo addendum of the appraisal report show a portion of the subject site has a strong aroma of manure and ceiling damage from a leaking evaporative cooler. The estimated cost to cure is $XXxxis missing from the loan documents, and the final CD does not reflect the escrow holdback."<br> \* xxfile show the subject property is a mobile home. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK."<br> \* Subject property is a manufactured home (xxtape shows the property is a mobile home. The home is affixed to the land. As per the appraisal report located at xx, Page #xx, the subject property is a manufactured home. The affidavit of affixation and manufactured home rider attached to the recorded mortgage located at "Ln#xx. # xx. xxfinal title policy located at xx page #xx." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points - loan discount fee. xxdated xx/xx/XXXX reflects points - loan discount fee at $XXX.XX. The loan estimate dated xx/xx/XXXX does not reflect the XXX(xx) architectural and engineering fee. xxdated xx/xx/XXXX reflects as XXX(xx) architectural and engineering fee at $XXX.XX. The loan estimate dated xx/xx/XXXX reflects appraisal fee of $XXX.XX. xxdated xx/xx/XXXX reflects appraisal fee at $XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The loan failed charges cannot increase more than XX% in the tolerance test. LE dated xx/xx/XXXX reflects the sum of section C fees and the recording fee at $XXX.XX. xxdated xx/xx/XXXX reflects the sum of section C and the recording fee at $X,XXX.XX. This is a cumulative increase of +$XXX.XX for charges that in total cannot increase more than XX% test. COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* xxtest xxloan failed the higher-priced mortgage loan test (xx)(xx)) due to an APR calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(xx), (xx), and (xx). The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated, X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxsettlement service providers list is missing from the loan documents."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of XX.XX%, as the borrower xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xx, and its recommendation is "xxwith a DTI of XX.XX%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $5027.75 | 12/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1098.97 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 641 | Not Applicable | 44.674% | First | Final policy | Not Applicable | Not Applicable | 10/11/2022 | $241389.96 | Not Applicable | 3.750% | $1117.91 | 11/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The annual water charges for XXXX are due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,998.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,117.91 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $226,744.89. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $226,744.89.<br> As per the tape data, the subject property is owner-occupied.<br> No comment related to damage or repair is found in the servicing comments.<br> As per the modification agreement, the loan was modified on xx/xx/2022.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 8 years on the job as an assembly specialist, grade 3, with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx. xx, and the lender, xx, on xx/xx/2022. As per the modified term, the new principal balance is $241,389.96. The monthly xxis $1,117.91 with an interest rate of 3.750% beginning on xx/xx/2022 and a maturity date of xx/xx/2052. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | xx<br> Missing or error on the xx<br> Transmittal (xx) | xx | 3: Curable |  | \* Appraisal incomplete (xx) (xxsubject loan was closed without an appraisal. xxdisclosure signed by the borrower xx. "xxsearch shows an estimated value at $XXXK. Current UPB is $XXXK." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. The tape reflects an increased DTI of XX.XX%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL is expired. BWR has X years on the job as an assembly specialist, grade X, with xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject."<br> \* xxis missing from the loan file (xx) is xxfinal transmittal summary is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2192.80 | 01/12/2026 | xx | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $415.91 | 3.250% | 334 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $741.65 (xx), which was applied for the due date of xx/xx/2026. The current xxis $415.91 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $70,453.81. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $70,453.81.<br> As per the tape, the subject property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> According to the updated title report dated xx/xx/2026, the foreclosure was initiated on this loan in 2020, and the notice of lis pendens, located at Ln#xx, was filed on xx/xx/2020. The release of lis pendens located at Ln#xx. Further details were not provided.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:According to the updated title report dated xx/xx/2026, the foreclosure was initiated on this loan in 2020, and the notice of lis pendens, located at Ln#xx, was filed on xx/xx/2020. The stipulated judgment located at Ln #xx, Page #xx, was filed on xx/xx/2021. The release of lis pendens located at Ln#xx. Further details were not provided.<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* xxtape shows only having a copy of the note, no LNA from xxlost note affidavit is not available in the loan file. The loan was not modified. A duplicate copy of the note is available in the loan file located at XXXXXXXXXX Page#xx."<br> \* Release of mortgage (xxtape defect shows the subject mortgage was released on xx/xx/XXXX. As per the updated title report dated xx/xx/XXXX, the subject mortgage originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx, in the amount of $XX,XXX.XX with xx. The release of lien was recorded on xx/xx/XXXX with Book xx, Page xx, located at Ln#xx, stating that it was released or satisfied. The stipulated judgment located at Ln #xx, Page #xx, and filed on xx/xx/XXXX, states that the release of lien was mistakenly recorded and the subject mortgage has not been paid in full. As per the stipulated judgment, the release recorded on xx/xx/XXXX as Inst#xx. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XX,XXX.XX." |  | \* Missing credit report (xxcredit report is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $0.00 | 12/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1034.95 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 686 | Not Applicable | 33.699% | First | Preliminary title policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx., a California corporation.<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX-XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX-XXXX is due in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,489.29 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,034.95 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $150,343.56. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $150,343.56.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4 years on the job as a general electrician with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 4: Unacceptable | \* xxtape shows only having a copy of the note, no LNA from xxlost note affidavit is not available in the loan file. The loan was not modified. A duplicate copy of the note is available in the loan file located at xx"" | \* Loan does not conform to program guidelines (xxsubject mortgage was originated on xx/xx/XXXX with the lender, xx., a California corporation. Tape defect shows no endorsement from resource lenders to xxis a break in the assignment and endorsement chain, and the loan was finally assigned to the lender, xxdoes not reflect an assignment of mortgage from xxshows an assignment of mortgage from xx., a California corporation, to lender Solera, which was recorded on xx/xx/XXXX." | \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 01/15/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $861.57 | 7.000% | 360 |  | xx | xx |  | Commercial | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx, a Delaware limited liability company.<br> There are two junior UCC finance statements against the borrower xx, which were recorded on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $957.46 (xx), which was applied for the due date of xx/xx/2026. The current xxis $861.57 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $127,841.06. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB reflected as per the payment history is $127,841.06.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the occupancy of the subject property.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR is an LLC, and the loan was qualified using the DSCR of the subject property.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xx)&nbsp;&nbsp;&nbsp;&nbsp; "BWR is an xxmortgage documents were signed by the BWRs as members of the LLC and not in the individual names. Personal guaranty is available in the file." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5949.51 | 01/16/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1690.42 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 692 | Not Applicable | 34.252% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,275.13 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,690.42 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $254,751.68. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $254,751.68.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape, the subject property is owner-occupied.<br> BWR has 2.75 years on the job as a dispatcher at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxtape shows the borrower xx on payments. According to payment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XXX,XXX.XX." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows misrepresentation of income and employment details. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a dispatcher at xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6614.29 | 02/02/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2653.99 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 762 | 796 | 49.465% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> There is a notice of commencement filed in xx, Florida, against the subject property (located at Ln#xx, which was recorded on xx/xx/XXXX. The amount is not mentioned in the supportive document. The file does not show completion<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found.  | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,653.99, which was applied for the due date of xx/xx/2026. The current xxis $2,653.99 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $397,583.90. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $397,583.90.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR2 has 16.66 years on this job as a utilities specialist at xx. Additionally, BWR2 has been SE as a consultant for 6.5 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxsubject loan was approved at XX.XX%. Tape shows undisclosed liabilities. xxis XX.XX%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has XX.XX years on this job as a utilities specialist at xx, FICO XXX, $XXXK equity in the subject, and $X,XXX residual income."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* XX TRID xxfailed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects xx.XX. xxdated xx/xx/XXXX reflects xx.XX. This is an increase in fee of $XXX for charges that cannot increase. xxincrease in fee is missing from the loan documents.<br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7212.90 | 01/01/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2991.31 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | 757 | 787 | 36.910% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for XXXX/XXXX have been paid in the total amount of $X,XXX.XX on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,876.63 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,991.31 with an interest rate of 7.125%. The current UPB is $441,837.76. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $441,837.76.<br> As per the tape, the subject property is owner-occupied.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 2 years on this job as a chief operating officer with xx.<br> Additionally, BWR1 has 5.41 years on the job as a board director with xx.<br> BWR2 has 7.75 years on this job as an associate professor with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* xxloan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date of xx/xx/XXXX is more than XX calendar days after the consummation date of xx/xx/XXXX."<br> \* xxfailed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TILA finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$XXX.XX. The loan failed the TILA post-consummation revised closing disclosure finance charge test due to the calculated finance charge of $xx exceeding the disclosed finance charge of $xx by -$XXX.XX. The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year."<br> \* XX TRID xxfailed charges that cannot increase more than XX% in the tolerance test. LE dated xx/xx/XXXX reflects the sum of xxfees and the recording fee at $XXX.XX. CD dated xx/xx/XXXX reflects the sum of xxrecording fee at $XXX.XX. This is a cumulative increase of +$XX.XX for charges that in total cannot increase more than XX% per test. COC for the increase in fee is missing from the loan documents. Loan failed the TRID rate lock disclosure delivery date test."<br> \* Loan does not conform to program guidelines (xxshows loan was repurchased due to xxpayment history as of xx/xx/XXXX, the borrower xx, and the next due date is xx/xx/XXXX. The current UPB is $XXX,XXX.XX." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | No | Not Applicable | First |  | $0.00 | $4082.02 | 01/05/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2909.26 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 802 | Not Applicable | 35.285% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> For xx.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> For xx.<br> The annual installment of county taxes for XXXX has been paid in the amount of $XX.XX on xx/xx/XXXX<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,396.04 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,909.26 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $446,461.53. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $446,461.53.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 9 months on the job as a manager at xx. Previously, BWR had 1.16 years on the job as a manager with xx. Prior to that, BWR had 22.08 years on the job as a buyer with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (xxsubject was approved as xxtape shows the subject may be NOO, as owner occupancy could not be verified. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's xxapproved as OO at XX.XX%. The tape shows the subject may be NOO, as owner occupancy could not be verified, causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL will expire on xx/xx/XXXX. BWR has X months on the job as a manager with xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2516.75 | 01/09/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $752.38 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 712 | Not Applicable | 43.645% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is a UCC lien against the borrower xx, which was recorded on xx/xx/XXXX.<br> The annual county taxes for XXXX have been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,479.64 (xx), which was applied for the due date of xx/xx/2026. The current xxis $752.38 with an interest rate of 3.875%. The current UPB is $145,556.76. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $145,556.76.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br>BWR has 2.75 years on the job as a construction worker with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan has been serviced in the portfolio since XXXX, and the lender has elected to sell the loan from the portfolio at this time. Further details not provided. Subject originated on xx/xx/XXXX." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxfailed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxfailed charges that cannot increase the X% tolerance test. Loan estimate dated xx/xx/XXXX reflects xx,XXX.XX. CD dated xx/xx/XXXX reflects xx,XXX.XX. The loan estimate dated xx/xx/XXXX reflects xx.XX. CD dated xx/xx/XXXX reflects xx.XX. The loan estimate dated xx/xx/XXXX reflects transfer taxes at $XXX.XX. CD dated xx/xx/XXXX reflects transfer taxes at $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxexceeds XX% (xxloan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by xxcredit and closing pkg PG#xx, and its recommendation is "xxwith a DTI of XX.XX%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3205.03 | 01/05/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $865.81 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 746 | Not Applicable | 41.602% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,416.21 (xx), which was applied for the due date of xx/xx/2026. The current xxis $865.81 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $178,157.50. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $178,157.50.<br> As per the comment dated xx/xx/2025, the reason for default is curtailment of income.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 14.66 years at xx, BWR has 3.66 years on the job as a cleaner at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxshows the loan has been serviced in the portfolio since XXXX, and the lender has elected to sell the loan from the portfolio at this time. Further details not provided. Subject originated on xx/xx/XXXX." | \* xxloan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* xxloan failed the TRID rate lock disclosure delivery date test."<br> \* XX TRID xxloan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points - loan discount fee. xxdated xx/xx/XXXX reflects points - loan discount fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired."<br> \* Missing or error on the xxrate lock agreement signed by the borrower xx." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1752.80 | 01/16/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1419.76 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | No | No | 781 | Not Applicable | 41.852% | First | Short Form Policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with book/page #xx.<br> There is an active junior mortgage against the subject property in favor of the xx, a principal department of the xx, which was recorded on xx/xx/XXXX in the amount of $XX,XXX.XX.<br> The Xst and Xnd installments of county taxes for XXXX, XXXX and XXXX have been paid in the total amount of $X,XXX.XX on different dates.<br> The annual installment of xxcharges for XXXX has been paid in the amount of $XX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,668.13 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,419.76 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $211,893.88. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $211,893.88.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 10 months on the job as a journeyman electrician at xx. Previously, BWR had 2.91 years on the job as an apprentice electrician at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxrate lock agreement signed by the borrower xx."<br> \* xxshows the subject condo was deemed ineligible by xxdue to excessive delinquency within the condominium project, with over XX% allowed and approximately XX% of unit owners reported as more than XX days delinquent; the condo certification obtained was not accurate as of the time of closing. Review of condo questionnaire does not show any special assessment. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5505.61 | 12/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1920.93 | 6.625% | 360 |  | xx | xx |  | Commercial | Fixed |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 802 | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument # xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,648.22 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,920.93 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $299,735.32. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $299,735.32.<br> As per the tape, the subject property occupancy is stated as an investor.<br> CCs do not show any damage or repairs. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR is an LLC, and the subject loan was approved as DSCR.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | xx | xx | 4: Unacceptable | \* Appraisal incomplete (xx) (xx)&nbsp;&nbsp;&nbsp;&nbsp; "ape and file show the appraisal was completed subject to repairs, and not all required repairs have been completed. XXXXD shows all repairs have been completed except the half bathroom, which is not legally permitted. The appraiser did not consider the half bathroom in the total bathroom count and in the property valuation. Per the appraiser, the half bathroom does not appear to have any violations of zoning or local ordinances and does not adversely affect the subject's safety and soundness. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* xxis missing (xx)&nbsp;&nbsp;&nbsp;&nbsp; "BWR is an xxmortgage were signed by BWR as a member of the LLC only and not as an individual name. Loan does have a personal guarantee." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $590.27 | 01/16/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2123.18 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | 660 | Not Applicable | 36.970% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx. dba xx<br> No active judgments or liens have been found.<br> The Xst installment of county taxes for XXXX has been paid in the amount of $XXX.XX on xx/xx/XXXX.<br> The Xnd installment of county taxes for XXXX is due in the amount of $XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,803.18 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,123.18 with an interest rate of 7.000%. The current UPB is $315,325.61. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $315,325.61.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 3 years on the job as a senior director of human resources at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* xxis not active (xxshows subject is not insured. PH shows MI is active. Reaching out to seller to clarify." | \* xxshows condo issue. Appraisal report is as-is, and the condo questionnaire is missing from the loan documents. Further details not provided. Zillow search shows an estimated value of $XXXK. Current UPB is $XXXK." | \* xxfailed the higher-priced mortgage loan test (xx)(xx)) due to an APR calculated at X.XXX% exceeding the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulations XXXX.XX(xx), (xx), and (xx)." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $49135.45 | 01/13/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $7567.68 | 4.875% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 789 | Not Applicable | 29.787% | First | Final policy | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> There is one junior mortgage against the subject property which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX in the amount of $xx with xx.<br> There is one prior state tax warrant against the borrower xx, which was recorded on xx/xx/XXXX with warrant ID #xx.XX.<br> The annual installment of combined taxes for XXXX has been paid in the amount of $xx on xx/xx/XXXX.<br> The Xst and Xnd installments of school taxes for XXXX have been paid in the total amount of $xx on xx/xx/XXXX and xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $12,039.89 (xx), which was applied for the due date of xx/xx/2026. The current xxis $7,567.68 with an interest rate of 4.875%. The current UPB reflected as per the payment history $1,428,241.70. | Collections Comments:According to the tape, the current status of the loan is performing.<br> According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $1,428,241.70.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 16.41 years on the job as a senior systems architect at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (xxsubject approved at XX.XX% xxshows no defect on the loan, as the program does not permit subordinate liens and the CLTV is within acceptable limits. Further details not provided. Subject originated on xx/xx/XXXX." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | xx | xx | xx | xx | xx | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3496.68 | 01/06/2026 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1374.01 | 5.575% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 673 | Not Applicable | 44.935% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for XXXX has been paid in the amount of $X,XXX.XX on xx/xx/XXXX.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,927.88 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,374.01 with an interest rate of 5.575%. The current UPB reflected as per the payment history is $239,480.78. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The current UPB is $239,480.78.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.75 years on the job as a maintenance technician with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the xx | xx | 3: Curable |  | \* Missing or error on the xxlock agreement signed by the borrower xx." | \* ATR - Unable to determine borrower's xxloan was approved at XX.XX% xxexcluded an auto lease payment. xx.XX%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx. as a xx.X years, FICO XXX, $X,XXX residual income, $XXX.XK reserves and $XXK equity in the subject property.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

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## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan Number 1** | **Loan Number 2** | **Borrower Last Name** | **Exception ID** | **Client** | **Project** | **Pool** | **Fund** | **Loan Review Status** | **Property State** | **Original Loan Amount** | **Finding Category** | **Finding Sub-Category** | **FindingStatus** | **Finding Grade** | **Finding Description** | **Finding Comment** | **Lender Response** | **Lender Status** |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | ComplianceEase TRID tolerance test is incomplete due to initial CD is missing from loan documents. The subject is a purchase case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed QM safe harbor threshold test due to APR calculated of X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. Subject loan is escrowed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial CD is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated of X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. Subject loan is escrowed.<br>Loan failed QM APR test due to APR calculated of X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. Subject loan is escrowed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape and Infinity compliance report show the subject loan failed the QM safe harbor APR threshold test. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows miscalculation of liabilities. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE for XX.XX years at xx, FICO XXX, XXXX since inception, and $xxK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows debt miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X year on the job as a xx, BWRX has X months on the job as an xx, FICO XXX, XXXX since inception, $XXXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount and Consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | The subject was approved as a second home. Tape shows occupancy misrepresentation. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by LP Locator xx and its recommendation is Accept with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows misrepresentation of employment. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. The finance charge disclosed on the final CD as $XX,XXX.XX. The calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$XXX.XX. The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL of X year has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the appraisal fee at $XXX.XX. The CD dated xx/xx/XXXX reflects appraisal fee at $XXX.XX. This is an increase in fee of $XX.XX for charges that cannot increase. A valid COC for the increase in fee amount is missing in the loan documents. <br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL is X year expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | The subject loan was approved at xx%. The tape shows assets could not be verified. Bank statements in the file show $XXXK in assets, which does satisfy the cash-to-close requirement of $XX,XXX.XX. Further details are not provided. Subject originated xx/xx/XX. XXXX over the last XX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows employment misrepresentation. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect points - loan discount fee. The CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape and review of the file show the seller fees exceeded the closing costs. Further details not provided. The final CD reflects the seller credit in the amount of $X,XXX.XX and closing costs in the amount of $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. The final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is a decrease of -$XXX.XX for a fee which has a X% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt not included in DTI. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X year on the job as a xx, FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU (Locator# xx) and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at xx%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X weeks on the job as a xx. BWR X has XX.XX years prior employment experience as a xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows insufficient assets. Bank statement in the file shows $XXK satisfies the cash-to-close requirement of $XXK. Further details not provided. Subject originated xx/xx/XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. The finance charge disclosed on the final CD as $XXX,XXX.XX. The calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. The reason for the finance charge under disclosure is unknown as the fee itemization is missing.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL of X year has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. The CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL of X year has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows assets were insufficient. Bank statements in the file show $XXK and gift assets of $XXK satisfy the cash-to-close requirement of $XK. Subject originated X/XX/XX. XXXX last XX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows debt miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.X years on the job as a xx, FICO XXX, XXXX last XX months, $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows miscalculation of liabilities. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X months on the job as a xx. BWRX has X.XX years on the job as a xx, FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial loan estimate dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in the fee amount of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $XX,XXX.XX and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by DU (Locator #xx), and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | The initial application is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows points and fees compliance violation due to an increase in title fees at closing. Infinity compliance report shows the loan does not fail any points and fees test. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | Subject approved as NOO. Tape and review of the loan file show occupancy misrepresentation, as the post-close AUS dated xx/xx/XXXX shows the subject property is a secondary home. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has been xx for X.XX years at xx, FICO XXX, XXXX in the last XX months, and has $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged, $X,XXX.XX, exceeding the fees threshold of $X,XXX.XX by +$XXX.XX. The below fees were included in the test: Document Preparation Fee paid by Borrower: $XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XX,XXX.XX. Calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$XXX.XX. Subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan fails the qualified mortgage lending policy points and fees test due to fees charged, $X,XXX.XX, exceeding the fees threshold of $X,XXX.XX by +$XXX.XX. The below fees were included in the test: Document Preparation Fee paid by Borrower: $XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows short asset reserves. Bank statements in files show $XXK in assets, and the cash-to-close requirement is $XXK. BWR was short $XXK funds to close and zero reserves. Further details not provided. Subject originated xx/xx/XX. XXXX last XX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | The subject was approved as a second home. Tape shows occupancy misrepresentation. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | The subject was approved as an OO. Tape shows occupancy misrepresentation. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender excluded a debt to be paid at closing that was not paid off. BWRs relocated from xx to xx and the tape states cannot use SE income. Lender defect. Revised DTI xx%. BWRs are both xx for XX years and XXXX for X years. The subject loan originated xx/xx/XXXX and the X-year SOL is active, FICO XXX, $X,XXX residual income, $XXX.XK in reserves (XX months), X x XX since inception and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject condo is a non-warrantable project. Appraisal report shows the subject is a new construction, and XXXXD shows construction is completed. Condo questionnaire is missing from the loan file. Further details not provided. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TILA finance charge test. Finance charge disclosed on the final CD is $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete due to the initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $XXX,XXX.XX. The calculated finance charge is $XXX,XXX.XX for an underdisclosed amount of -$XXX.XX. The reason for the finance charge under disclosure is unknown, as the fee itemization is available in the loan file. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the subject condo project is non-warrantable. The supplemental addendum in the appraisal report shows the subject is a condo located in an established gated condo golf course project called xx, and the subject is the first condo building to be completed, and the rest of the project is still developing. The condo questionnaire is missing from the loan document. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | The subject was approved as a second home. Tape shows occupancy misrepresentation. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows employment misrepresentation and income miscalculation. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx. BWRX has been xx for XX.XX years at xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | The final CD reflects the closing date as xx/xx/XXXX. The notary's signature date on the mortgage/deed of trust is xx/xx/XXXX. The Note date is xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject is a condotel unit in xx, located in the city of xx. The project has amenities such as a community pool, spas, offering short term rentals on their site. XXXX search shows an estimated value of $xxM. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $XX,XXX.XX and the loan was underwritten by LP Locator xx and its recommendation is Accept with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The tape shows the subject project is undergoing critical repairs and structural integrity. The project is undergoing repairs on various components of the buildings, including all sealant joint replacements, concrete repairs, brick masonry repairs, parapet rebuilds, shelf angle flashing, balcony repairs, and waterproofing. The estimated cost to complete the work is $xxM. The XXXXD and engineer's certificate of completion are missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Pennsylvania license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan fails the late fees test due to fees charged, $XXX.XX, exceeding the fees threshold of $XXX.XX by +$XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | The tape and file show the subject condo association is involved in an active litigation over pumps installed by the defendants that failed and caused flooding within the condominium complex, and there have been multiple failures of these circulating pumps. The association suffered damages of $XXXK and is demanding reimbursement for the expenditures made, attorney's fees, interest, and costs of court. XXXXD or a final inspection report by a licensed professional verifying the structural integrity of the condo project is missing from the loan documents. Further details not provided. XXXX search shows an estimated value of $xxM. Current UPB $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. The CD dated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. This is an increase in fee of $XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject originated as a second lien DPA loan. Tape shows income miscalculation. Revised DTI is xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows lender did not obtain the executed lease agreement supporting the rental income used to qualify. Revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.X years on the job as a xx, FICO XXX, and $XXK equity in the subject. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is a second lien. The first lien is escrowed.<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 4: Unacceptable | \* Compliance Testing (Lvl 4) | The subject is a second lien. Tape shows the subject loan failed the state high-cost test, and PCCD was issued to cure the state high cost. Further details not provided. Reaching out to ComplianceEase for further compliance analysis. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation |  | Active | 4: Unacceptable | \* Property type is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows additional mortgage debt was undisclosed. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as xx, FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and a residual income of $X,XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X year SOL is active.<br>Loan failed TILA post-consummation revised closing disclosure finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X year SOL is active.<br>xx/xx/XXXX: Downgraded to LVLX as SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. Tape shows income calculation error brings DTI over allowable threshold. Lender defect. Actual DTI is xx%. BWR is employed as a xx for X years and has a second job at xx for X years. The subject loan originated xx/xx/XXXX and the X-year SOL is active, FICO XXX, $XXXX in residual monthly income and $XXXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. Tape shows BWRX income was not calculated properly. Lender defect. Actual DTI is xx%. BWRX is employed as a xx for XX months and was previously a student. The subject loan originated xx/xx/XXXX and the X-year SOL is active, FICO XXX, $XXXX in residual monthly income and $XXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The vesting deed recorded on xx/xx/XXXX, shows the covenant and conditions regarding mediation, arbitration, and resolution. The PUD rider attached to the mortgage, and Schedule B of the title commitment also shows a covenant and condition. Tape defect shows the recorded covenants, conditions, and restrictions (CC&Rs) for this community contain provisions that are non-compliant with the Fair Housing Act and may be deemed legally unenforceable under federal housing regulations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active.<br>xx/xx/XXXX: Downgraded to LVLX as SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed liabilities. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD is $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active.<br>xx/xx/XXXX: Downgraded to LVLX as SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to misrepresentation. Further details were not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Commitment Fee paid by Borrower: $XXX.XX <br> Document Preparation Fee paid by Borrower: $XXX.XX <br> Points—Loan Discount Fee paid by Borrower: $X,XXX.XX <br> Underwriting Fee paid by Borrower: $XXX.XX <br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX. <br> The following fees were included in the test: <br> Commitment Fee paid by Borrower: $XXX.XX <br> Document Preparation Fee paid by Borrower: $XXX.XX <br> Points—Loan Discount Fee paid by Borrower: $X,XXX.XX <br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan closed as an eNote, which is not permitted under the address confidentiality program (ACP). Note was papered out, and the loan is now too seasoned for purchase by the investor. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX.<br>xx/xx/XXXX: Downgraded to LVLX as SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The revised CD dated xx/xx/XXXX reflects a point loan discount fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects point-loan discount fee at $X,XXX.XX. This is an increase in fee of $XXXX.XX for charges that cannot increase. COC for the increase in fee is missing from the loan documents. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX; the SOL of X year is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows gift funds used on an investment property. Review of loan file does not show any gift funds. Available balance on bank statements are $xxK. Required Cash to close is $XXK. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The loan fails the compliance delivery and timing test for CD dated xx/xx/XXXX. The document tracker is missing, and X business days were added to get the receipt date of xx/xx/XXXX, which is after the consummation date of xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. Tape shows the underwriter missed additional debt causing the DTI to be greater than xx%. Lender defect. Actual DTI is xx%. Bwr is employed as a xx for X months and has been a nurse for X years. BWRX is employed as an xx for X years. BWRX is retired. The subject loan originated xx/xx/XXXX and the X-year SOL is active, FICO XXX, $XXXX in residual monthly income, XXXX since inception and $XXXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the TRID disclosure delivery date validation test. A closing disclosure delivery date is after the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows the insufficient assets, as the large deposits cannot be sourced. Review shows BWR liquidated CD for down payment of $xx and had $xx in bank and investment accounts that exceeded the funds to close of $XX,XXX. Review shows ATR confirmed. XXXX since inception on X/XX/XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 3: Curable | \* Loan program disclosure missing or unexecuted (Lvl 3) | Loan program disclosure is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. Tape shows unable to validate the income. Lender defect. Unable to determine DTI. Both BWRs are self-employed xx for XX years. The CBWR is also an xx for X year and X months. The subject loan originated xx/xx/XXXX and the X-year SOL is active, FICO XXX, $XXK equity in the subject property and $XXXK in assets after closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows missing condo project approval, and the loan is now seasoned for more than X months. Review of loan file shows there is a letter which states the condo project was approved. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject loan closed as a X/X ARM. A discrepancy was noted in the last revised CD, which incorrectly listed the loan type as a XX/X ARM. This error was corrected, and the final CD accurately reflects the loan type as a X/X ARM. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows the lease agreement was fabricated. Further details not provided. BWR defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the lender did not obtain documentation for rental income. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.X years on the job as xx. BWRX has X.XX years on the job as an xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XX,XXX.XX. Calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$XXX.XX. Reason for finance charge under disclosure is unknown as the fee itemization is missing.<br> The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender used income that wasn't supported. Revised DTI is in excess of xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X.X months as a xx, FICO XXX, XXXX since inception and $XXXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows several non-legal documents were not signed at closing, and the borrower has been non-responsive. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is subject to completion of repairs. The improvement section shows the final grade of sod and seed is not finished yet. The estimated cost to cure is in the amount of $X,XXX.XX. Available XXXXD reflects subject property repairs are still not completed. The updated XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. The Lender excluded HOA dues. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X years, FICO XXX, $X,XXX residual income, $XK in reserves, XXXX since inception and $XX.XK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and the Infinity CE report show the loan failed the waiting period required test due to changes before consummation, requiring a new waiting period. APR becomes inaccurate. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows miscalculation of student debt. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx. BWRX has X months on the job as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. <br>Loan failed TILA post-consummation revised closing disclosure finance charge test due to finance charge disclosed on CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of $XX,XXX.XX.<br>Loan failed TILA post-consummation revised closing disclosure APR test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by - X.XXX%.<br>Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan has seasoned. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $XX,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan is subject to completion of installation of landscaping. The estimated cost to cure is $X,XXX. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeding the disclosed finance charge of $XXX,XXX.XX by -$XXX.XX. The subject loan is a purchase originated on xx/xx/XXXX, and the X year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows rental income used to qualify could not be verified. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx; BWRX has X.X years on the job as a xx, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender did not establish continuance of Adoption Assistance income. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR receives Pension income, FICO XXX, $X,XXX residual income, $XK in reserves, XXXX since inception and $XXXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender miscalculated SE income. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X years and SE with XXXX for less than X year, BWR X is SE with xx for X years, FICO XXX, $X,XXX residual income, XXXX since inception and $XX.XK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows missing condo project approval, and the loan is now seasoned for more than X months. Review of loan file shows there is a letter which states the condo project was approved. Further details not provided. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Reason for finance charge under disclosure is unknown as the fee itemization is missing.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active.<br>xx/xx/XXXX: Downgraded to LVLX as SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows missing condo project approval, and the loan is now seasoned for more than X months. Further details not provided. Review of loan file shows there is a letter which states the condo project was approved. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at xx%. Tape and review shows BWR has limited credit. Lender defect. Subject originated X/XX/XX and the X year SOL is active. BWR has X year on the job as a xx. XXXX since inception. $XXK equity. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has XX.XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO, due to misrepresentation. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The subject was approved as a second home. Tape and file show BWR is a xx living in xx making the AUS invalid. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at xx%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX was qualified using an offer letter as a xx starting on xx/xx/XXXX. BWRX has X.XX years on the job as a xx, FICO XXX, and $XXK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects Transfer Taxes at $XXX.XX. CD dated xx/xx/XXXX reflects Transfer Taxes at $XXX.XX. This is an increase in fee of $X.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx/xx/XXXX, and the X-SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows lender miscalculated PITI in the DTI calculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a xx. BWRX has been xx for XX.XX years at xx. Additionally, BWR is xx and has been xx for X.XX years, FICO XXX, XXXX since inception, $XXXK equity in the subject, and residual income of $X,XXX. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows income miscalculation. Further details not provided. DTI exceeded the allowable threshold. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a xx, FICO XXX, XXXX since inception, and $xxK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows at the time of submission for issuance of the MIC, the borrower had not made their initial January payment to XXXX. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject is NOO and approved at xx%. Tape shows undisclosed debt opened prior to closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX.XX years on the job as a xx, FICO XXX, XXXX since inception, $XXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)) due to an APR calculated at X.XXX% exceeding the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulations XXXX.XX(b), (c), and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Document Preparation Fee. Final CD dated xx/xx/XXXX reflects Document Preparation Fee at $XX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan was determined to be ineligible under the program guidelines. Further details were not provided. Subject loan originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The Right of Rescission is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was manually underwritten. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | The final GFE is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet the loan program eligibility requirement. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA foreclosure rescission finance charge test due to the finance charge disclosed on the final TIL as $XX,XXX.XX. The calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$X,XXX.XX. The loan failed the TILA finance charge test. The finance charge disclosed on the final TIL is $XX,XXX.XX. The calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$X,XXX.XX.<br> The loan failed the TILA APR test due to the APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by - X.XXX%.<br> This loan failed the TILA right of rescission test. The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | This loan is an FHA. MI certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect points - loan discount fee. Final CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $XX,XXX.XX, and the loan was underwritten by DU (xx), and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows underwriting issues. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has been xx for XX.XX years at xx., and is also employed by xx. BWRX receives xx income, FICO XXX, XXXX in the last XX months and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (Locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA MI certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject is an FHA uninsurable loan. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed the initial closing disclosure delivery date test. The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business<br> days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is as is. The photo addendum shows signs of settlement in the side wall. The estimated cost to cure is not available in the loan file. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the loan is unsaleable due to a TRID violation. Initial LE xx/xx/XXXX was originally issued as a purchase, and then the loan was changed to refinance, and a new LE was issued. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows LE was not issued within X business days of application. Review of the file shows the LE was provided within the required X business-day period from the application date of xx/xx/XXXX. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows collateral. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Transfer Taxes. Final CD dated xx/xx/XXXX reflects Transfer Taxes at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #X, with a sales price of $xxK, is closest to the subject property. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, the borrower income is $xx, and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by LP (Locator #xx), and its recommendation is "Accept" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Pennsylvania license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows material omission. Further details not provided. Subject originated xx/xx/XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test.<br> Initial LE dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. <br> Initial LE dated xx/xx/XXXX reflects Appraisal Fee at $XXX.XX. Final CD dated xx/xx/XXXX reflects Appraisal Fee at $X,XXX.XX. <br> This is a cumulative increase in fee of +$X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on Xxx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows DTI calculated incorrectly. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has XX years on the job as a xx. BWRX has been SE for XX years at xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by LP (Locator# xx) and its recommendation is accept with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows material omission. Further details not provided. Subject originated xx/xx/XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Pennsylvania license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows rejected by XXXX, as the tax return for the year XXXX is not available. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows the lender did not obtain the tax return for the year XXXX. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has XX.XX years on the job as a xx. Additionally, BWR has been xx for X.XX years at xx, LP. FICO XXX, $XXXK equity in the subject, and XXXX in the last XX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved as NOO at xx%. The tape shows the lender miscalculated rental income, as the lender did not obtain the proof of rental income. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has been xx for XX.XX years at xx. BWRX has been xx for X.XX years at xx, FICO XXX, XXXX last XX months and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at xx%. Tape shows underwriting issues. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as an xx. BWRX has X.XX years on the job as a xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | Home equity loan notice of address for borrower notification of violation is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Copies of Documents is missing from the loan file (Lvl 3) | Home equity loan copies of document is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Consumer Disclosure is missing from the loan file (Lvl 3) | Home equity consumer disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows underwriting issues. Further details not provided. Subject originated xx/xx/XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | Home is affixed to the land. With the tax certificate attached to the updated title report dated xx/xx/XXXX, the subject property is a manufactured home. The Alta-X endorsement is located at "xx". |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Credit report >90 days old at closing (Lvl 2) | The credit report is more than XX days old at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The tape shows the loan was in an FNMA pool, and we had all documents, including the note. When it was sent to collections in XXXX, the note was with it. When the file was returned, it was returned missing the note. The loan will have LNA. The file shows the note is available and located at "xx." |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows underwriting issues. Further details not provided. Subject originated xx/xx/XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows underwriting issues. Further details were not provided. Subject originated xx/xx/XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows program ineligibility. Further details are not provided. Subject originated xx/xx/XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows servicing errors. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan does NOT violate predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The finance charge disclosed on the final TIL is $XX,XXX.XX. The calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$XXX.XX. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing.<br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $XX,XXX.XX. The calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$XXX.XX. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. <br>The loan failed the TILA APR test due to APR calculated at X.XXX% exceeds the disclosed APR of X.XXX% by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows underwriting issues. Further details not provided. Subject originated xx/xx/XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan fails Tax Service Fee Test due to Fees charged $XX.XX exceeds the fee threshold of $X.XX by +$XX.XX. The below fee was included in the test: Tax Service Fee paid by Borrower: $XX.XX<br>This loan failed the NY subprime home loan test. (NY SB XXXX Section X, X(c))<br> Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.<br> While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain<br> conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional<br> conditions are met. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TILA Finance charge due to the finance charge disclosed on the final TIL is $XXX,XXX.XX. The calculated finance charge is $XXX,XXX.XX for an undisclosed amount of -$XX,XXX.XX. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. The loan failed the TILA APR test due to the APR calculated at X.XXX%, which exceeds the disclosed APR of X.XXX% by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The CE risk indicator is moderate, as the loan is failing for the HOEPA Higher-Priced Mortgage Loan Test. The charged APR is X.XXX%, and the allowed is X.XXX%, so it is over by +X.XXX%. The loan is escrowed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XX,XXX.XX exceeding the disclosed finance charge of $XX,XXX.XX by -$X,XXX.XX. <br>The loan failed the TILA APR test due to APR calculated at X.XXX% exceeds the disclosed APR of X.XXX% by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | The final good faith estimate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Texas | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL is $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$X,XXX.XX.<br>Loan failed TILA APR test due to APR calculated X.XXX% exceeds APR threshold X.XXX% under disclosed by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows program ineligibility. Further details not provided. Subject originated xx/xx/XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, the borrower income is $xx, and total expenses are in the amount of $X,XXX.XX. The AUS report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan documents |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | The initial truth in lending disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan meets all VA guidelines and is insured and doesn't meet GNMA seasoning requirements. In VA refinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows stability of BWR's income was not established. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year will expire on xx/xx/XXXX. BWR qualified using an offer letter as a xx, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows customer requested forbearance on X-XX-XX. Request denied X-X-XX due to credit and unstable income. Demand letter sent X/X with due date of X/X. Foreclosure filing in process. Ch XX BK filed xx/xx/XX. First BK check rec'd xx/xx/XX for Jan-May XX payments. Amounts for xx-xx XX are arrearage to be paid separately. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is uninsurable, as the BWR already had an FHA loan, which was not on the credit report. The investor got no indication of a prior FHA loan in the mortgage statement. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx. Tape and file show BWR does not meet the minimum tradelines and history requirement, as the BWR has only one active tradeline, which is an authorized user account. Lender defect. BWR has X.XX years on the job as a xx, FICO XXX, and $XXXK equity in the subject property. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal dated xx/xx/XXXX had expired by two days as of the closing date. Review of the file shows an updated Form XXXXD, with an inspection date of xx/xx/XXXX, is available to support the appraisal. Further details not provided. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation |  | Active | 4: Unacceptable | \* Property type is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents; loan is an FHA. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender excluded an auto payment that was not being paid in full by a third party monthly. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X.X years and receives xx. BWR X receives xx. FICO XXX. $X,XXX residual income. $XK in reserves. $xxK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation |  | Active | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged of $XX,XXX.XX exceeds fees threshold of $XX,XXX.XX by +$X,XXX.XX. The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $XX,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $XX,XXX.XX exceeds fees threshold of $XX,XXX.XX over by +$X,XXX.XX. <br> The following fees were included in the test:<br> Mortgage Broker Fee (Indirect) $XX,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation |  | Active | 4: Unacceptable | \* Property type is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender miscalculated income. Lender defect. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for XX.X years, BWR X is employed with xx for XX.X years, FICO XXX, $X,XXX residual income, $XX.XK in reserves and $XXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows MI was rescinded. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows lender used rental income to qualify without sufficient documented rental history. Revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR qualified using an offer letter as an xx, FICO XXX, XXXX since inception, and $X,XXX equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX reflects a transfer tax fee at $X,XXX.XX. The final CD dated xx/xx/XXXX reflects a transfer tax fee of $X,XXX.XX. This is an increase in fee of $XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows lender repulled credit report on closing day due to spelling error in name, and updated score of XXX was below product guidelines. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender allowed the loan to close with instability of employment/income and insufficient credit history. X authorized user account and X collection account. BWR had X jobs from X/XXXX to xx/xx/XXXX in various industries with gaps in between. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx. as an xx for X months, FICO XXX, $X,XXX residual income, $XXX in reserves and $XX.XK equity in the subject property from gift funds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file shows appraisal was subject to completion of repairs and the loan was repurchased as the repairs were complete after closing. Post-close XXXXD dated xx/xx/XXXX shows the remaining items in need of repair have been completed. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects Points - Loan Discount Fee of $X,XXX.XX. The final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. The final CD dated xx/xx/XXXX reflects an appraisal fee at $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject is NOO and approved at xx%. Tape shows undisclosed debt opened prior to closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX.XX years on the job as a xx, FICO XXX, XXXX since inception, $XXXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Doc Issue | Active | 3: Curable | \* ROR not hand dated by borrower(s) (Lvl 3) | ROR is not hand-dated by the borrower. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows lender omitted Xrd-party debts with delinquent history in the last XX months. Revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives social security and annuity income, FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nebraska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the processing fee. CD dated xx/xx/XXXX reflects a processing fee of $XXX.XX. The loan estimate dated xx/xx/XXXX does not reflect the underwriting fee. The CD dated xx/xx/XXXX reflects an underwriting fee of $XXX.XX. The loan estimate dated xx/xx/XXXX does not reflect the credit monitoring service. CD dated xx/xx/XXXX reflects credit monitoring service at $X.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nebraska | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nebraska | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents." Redfin search shows an estimated value at $XXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nebraska | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows insufficient assets, as the gift asset of $X,XXX was invalidated after statements from the donor (BWR's father) indicating the money was to be repaid post-close, and the cash-to-close requirement is $X,XXX. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject property is located in xx. Subject loan closed without an appraisal. The lava zone map available in the file shows the subject property is located in xx. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an Appraisal. PIW disclosure signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and file show the subject loan closed with an appraisal report reflecting "as is" and it should have been subject to completion of renovation. Tape states property will not be ready for occupancy until xx XXXX, as it is undergoing large renovations. The estimated cost to cure is $xxK. The XXXXD report is missing from the loan documents. The final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $XX,XXX.XX Exceeds the fees threshold of $XX,XXX.XX by $X,XXX.XX. The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Compliance failing for state regulations. PA license validation test. In the state of PA, the lender is licensed under state ID #xx as per the NMLS website. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The loan fails the Qualified Mortgage Lending Policy points and fees test due to fees charged of $XX,XXX.XX Exceeds the fees threshold of $XX,XXX.XX by $X,XXX.XX. The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape and file show the subject is a X-unit with X ADU. The subject was closed with an appraisal report reflecting a X-unit property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects lender credit at $XXX.XX; the final CD dated xx/xx/XXXX reflects the lender at $X.XX. This is a decrease of $XXX.XX for a fee that has a X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the condo project did not have an active FHA approval at the time of loan origination. Further details not provided. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The MI certificate is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject is a condotel. The subject is a unit in the xx Condo project in xx, AL. The project was originally a hotel and was converted into a condominium without completion of full rehab. The project has amenities like a XXXX situated just across from the beach. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Loan approval is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. Initial CD dated xx/xx/XXXX reflects lender credit at $XX,XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$X,XXX.XX. Subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been xx for XX.XX years at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to misrepresentation. Further details were not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows seller credit exceeds closing cost by $XXXX.XX. File shows the seller credit of $XX,XXX on the final CD exceeds the closing cost of $X,XXX.XX. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Commercial Prop (Lvl 4) | The subject was approved as NOO but appears to be commercial. The tape shows the subject property is a boarding/group home consisting of a XX - bedroom house. The appraiser's revised comments state that the property is leased to an individual tenant and not operated as a group home. Review is relying on seller tape defect and treating as a group home. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | BWR is LLC. Note, deed and mortgage are in the name of the LLC. Loan does have a personal guarantee. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows undisclosed debt opened prior to closing. The revised DTI is xx%. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X months on the job as a xx. BWRX has XX.XX years on the job as a xx, FICO XXX, XXXX since inception, $XXK equity in subject and residual income of $X,XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Pennsylvania license validation test (PA HB XXXX Section XXXX). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as a xx. BWRX has been xx for X.XX years at xx. FICO XXX, XXXX since inception and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape show MI was rescinded. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows lease misrepresentation and the subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has XX months on the job as a xx. BWRX has X months on the job as a xx, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO, due to misrepresentation. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (Locator# xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the DACA loan done through Freddie Mac, not through the FNMA. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan did not qualify for FHA, as it was unendorsed, and now it has been converted into a conventional loan. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject condo is a non-warrantable project. Review of the file shows the appraisal report is as is, and the condo association budget document does not reflect any damage or repairs. Further details not provided. XXXX search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the prepayment penalty was removed from the loan terms, but the corresponding disclosure was not updated appropriately. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows early payment default. According to payment history as of xx/xx/XXXX, the borrower has been delinquent for X month, and the next due date is xx/xx/XXXX. The current UPB is $xx.<br>BWR is an LLC. Note was signed only by a member of the LLC and not an individual. Loan does have a personal guarantee. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | The final CD reflects the closing date as xx/xx/XXXX. The notary's signature date on the mortgage/deed of trust is xx/xx/XXXX. The note date is xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender miscalculated income. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X.XX years, FICO XXX, $X,XXX residual income, $X,XXX in reserves, XXXX since inception and $XXX.XK equity in the subject property from gift funds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at xx%. Tape shows rental income miscalculation, as the lender considered rental income from departure REO. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as an xx. FICO XXX, XXXX since inception, and $xxK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx. FICO XXX and XXXX since inception, with $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR was not employed at the time of closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX years on the job as a xx, FICO XXX, XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX.<br> Loan estimate dated xx/xx/XXXX reflects Transfer Taxes at $X,XXX.XX. CD dated xx/xx/XXXX reflects Transfer Taxes at $X,XXX.XX.<br> This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows declining income for both BWRs due to job changes and BWRX doing a new part-time job. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has been xx for X.XX years at xx; BWRX has X months on the job as a xx, DDS, FICO XXX, XXXX last XX months, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU (Locator# xx) and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX.<br>TRID total of payment disclosed on final CD as $X,XXX,XXX.XX. Calculated total of payments is $X,XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Reason for the disclosed total of payments of $X,XXX,XXX.XX is not considered accurate due to it is understated by more than $XXX.<br>Subject loan is refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an appraisal report. PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender miscalculated rental loss and excluded a new auto payment. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X months, FICO XXX, $X,XXX residual income, $XXXK in reserves, XXXX since inception and $XXXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and file show the subject loan is not salable, as the builder is not willing to increase insurance coverage of the condo project, and the property coverage deductible is over the X% maximum threshold. Also, the insurance does not include building ordinance and law coverage. The copy of the master policy is missing, and BWRs have obtained coverage for their own subject property. Further details not provided. XXXX search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender miscalculated income using xx% ownership when the BWR only owns xx% of the business. Revised DTI in excess of xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is xx with xx for X years, FICO XXX, $xK in reserves. XXXX since inception and $XXXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The loan guaranty certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape defect and the loan file review show both the vesting deed and the mortgage were signed by xx, acting as a member of two separate LLCs — the seller, as identified in the vesting deed, and the borrower, as identified in the mortgage document. According to the vesting deed, the subject property was transferred from xx to xx. xx signed the vesting deed as a member of xx. The subject mortgage, dated xx xx, XXXX, was originated by xx and signed by xx both individually and as a member of the xx. Also, tape shows zoning issues, as the subject property falls under the C-X commercial district zone. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects a mortgage broker fee of $X,XXX.XX. CD dated xx/xx/XXXX reflects Mortgage Broker Fee at $X,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows credit deficiency. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX.XX years on the job as a xx, FICO XXX, and $XXXK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4) | BWR is an LLC. Tape and file show that the note was signed only as a member of the LLC and not in individual names. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU (Locator# xx) and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan closed with MI as a lender-paid single premium of $xx. Thrive was unable to secure a more cost-effective MI option, and the loan ultimately remained uninsured. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as the loan has a qualified mortgage DTI of xx%, as the borrowers' income is $xx, and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by DU (Locator#xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape data shows the borrower made payment on time, and it was then returned due to insufficient funds and paid again on XX/X/XX. The borrower is current. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a xx, FICO XXX, XXXX in the last XX months, $XXXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | Subject loan closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated amount at $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet the VA IRRRL seasoning period requirement of XXX days. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Reason for finance charge under disclosure is unknown as the fee itemization is missing.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows a non-warrantable condo. Further details not provided. Condo Q in file does not provide further details. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX.<br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU (Locator# xx) and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX does not reflect Appraisal Re-Inspection Fee. CD dated xx/xx/XXXX reflects Appraisal Re-Inspection Fee at $XXX.XX.<br> Loan estimate dated xx/xx/XXXX reflects Credit Report Fee at $XXX.XX. CD dated xx/xx/XXXX reflects Credit Report Fee at $XXX.XX.<br> This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at xx%. Lender allowed the loan to close with a DOB that did not match the SSN. Lender defect. Subject originated xx/xx/XX and the X year SOL has expired. BWR has X years on the job xx. XXXX last XX months. $XXK equity in subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income miscalculation, as YTD earnings did not support qualifying income. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X months on the job as a xx, FICO XXX, $XXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects Lender Credit at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Lender Credit at $X,XXX.XX. This is decrease of +$XX,XXX.XX for fee which has X% tolerance test. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation |  | Active | 4: Unacceptable | \* Property type is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation |  | Active | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | AUS | Active | 4: Unacceptable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 4) | AUS report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Subject property is a manufactured home (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial numbers xx and xx has been affixed to the permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The subject property is manufactured, and proof of affixation of the property permanently to the land is available in the loan documents at xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | XXXX is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows the lender did not establish ATR. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X years on the job as a xx, FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan exceeds the APR threshold test. Further details not provided. The Infinity CE report shows the loan failed the HPML test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Legal Docs | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | The final CD dated xx/xx/XXXX reflects an escrow holdback in the amount of $XXX,XXX.XX. Proof for the release of the escrow holdback is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed the qualified mortgage threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM APR test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #X, with a sales price of $xxK, is closest to the subject property. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject condo is a non-warrantable project. Review of the file shows the appraisal report is as is, and the condo questionnaire does not reflect any damage or repairs. Further details not provided. XXXX search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show BWR was charged an MCC fee, and MCC documents were not sent to the closing department. BWR was refunded the MCC fee, and AUS is approved/eligible after removal of MCC fees. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows lender closed the loan based on altered income docs. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is a Florida housing bond loan classified as a Freddie xx% AMI. The loan was delivered with DU findings and is ineligible, as the LQA findings were obtained post-closing. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the underwriter did not apply the X% minimum required investment (MRI) guideline applicable to a X-X unit primary residence. Further details not provided. Subject loan originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject is NOO and approved at xx%. Tape shows the BWR was employed by a family member. Subsequently, the BWR changed from WX to SE, and miscalculation of income. Revised DTI is xx%. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx. BWRX has X.XX years on the job as xx, FICO XXX, XXXX since inception, $XXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Valuation |  | Active | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows - Re-purchase: Renovation re-purchase obligation triggered. Loan XXX+ days late prior to completion. Project completed xx XXXX. Revised FICO is XXX. Loan due for xx/xx/XXXX. Further details are not provided. According to payment history as of xx/xx/XXXX, the borrower has been delinquent for X months, and the next due date is xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. LE dated xx/xx/XXXX does not reflect Homestyle Reno Supplemental Fee. Final CD dated xx/xx/XXXX reflects Homestyle Reno Supplemental Fee at $X,XXX.XX. LE dated xx/xx/XXXX does not reflect Homestyle Consultant Fee. Final CD dated xx/xx/XXXX reflects Homestyle Consultant Fee at $X,XXX.XX. LE dated xx/xx/XXXX does not reflect Homestyle Reno Architect Fee. Final CD dated xx/xx/XXXX reflects Homestyle Reno Architect Fee at $X,XXX.XX. LE dated xx/xx/XXXX does not reflect Transfer Taxes. Final CD dated xx/xx/XXXX reflects Transfer Taxes at $XXX.XX.<br> LE dated xx/xx/XXXX reflects Homestyle Permit Fee at $XXX.XX. Final CD dated xx/xx/XXXX reflects Homestyle Permit Fee at $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows a renovation repurchase obligation was triggered, as the loan became XXX+ days delinquent prior to completion of the renovation work. The renovation was completed on xx/xx/XXXX. The loan was XXX days DLQ in the past XX months, was previously on forbearance, and is now current. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired.<br>TRID total of payment disclosed on final CD as $XXX,XXX.XX. Calculated total of payments is $XXX,XXX.XX for an under disclosed amount of -$X,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx. BWRX has XX.XX years on the job as a xx. BWRX has been xx for X.XX years at xx. BWRX has XX.XX years on the job as a xx., FICO XXX, XXXX since inception, $XXXK equity in the subject, and $XX,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Valuation |  | Active | 4: Unacceptable | \* Property type is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet the GNMA seasoning requirement. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the Points - Loan Discount Fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects the Loan Origination Fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects Loan Origination Fee at $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects Transfer Taxes at $X,XXX.XX. CD dated xx/xx/XXXX reflects Transfer Taxes fee at $X,XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the SOL is X years.<br>Loan failed charges than in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and Recording fee at $X,XXX.XX.CD dated xx/xx/XXXX reflects the sum of Section C and Recording fee at $X,XXX.XX. This is a cumulative increase of +$XXX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents.<br> The subject loan is a refinance, originated on xx/xx/XXXX, and the SOL is X years. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet GNMA seasoning guidelines.. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation in charges that cannot increase the test due to the increase of the fee in the final CD dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects a points-loan discount fee at $X,XXX.XX. The final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XX,XXX.XX. This is a fee increase of +$X,XXX.XX for the X% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL is X years expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows the income used to qualify the borrower could not be documented. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR X has X months on the job as a xx. BWRX has X months on the job as an xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial XXXX is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the subject condo project is ineligible to deliver the Fannie Mae due to missing condo project approval. Further details not provided. Review of the condo questionnaire does not show any repair work or damage to the subject condo project. XXXX search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows the lender was unable to qualify the BWR due to insufficient income documentation. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a xx, FICO XXX, XXXX since inception. Review shows ATR confirmed |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows Lender missed an REO mortgage. Lender defect. Further details are not provided. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX receives VA benefits. BWRX has been SE for XX.XX years at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income and employment misrepresentation, as BWR did not disclose he owns the company. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a xx, FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | TRID total of payment disclosed on final CD as $X,XXX,XXX.XX. Calculated total of payments is $X,XXX,XXX.XX for an under disclosed amount of -$XX,XXX.XX. The disclosed total of payments of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $XXX.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender excluded a debt. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X months, FICO XXX, $X,XXX residual income and $XX.XK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows excessive IPC (interested party contribution). Final CD reflects seller credit of $X,XXX.XX. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows EPD. The borrower went delinquent and then caught up. According to the payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $xx. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock provided expired on xx/xx/XXXX and the loan closed on xx/xx/XXXX. No lock extension found. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Mortgage missing / unexecuted (Lvl 4) | As per tape data, the subject mortgage was originated on xx/xx/XXXX by the borrower, XXXX. The mortgage was not recorded. The unrecorded copy of the mortgage is not available in the loan file. The subject is an xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 3: Curable | \* Type of Ownership is Leasehold or Cooperative (Lvl 3) | The subject loan originated on xx/xx/XXXX with a maturity date of xx/xx/XXXX. As per the lease agreement located at "xx," the ground lease is held by xx, and the leasehold expires on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows a non-warrantable condo. Condo questionnaire in file does not provide further details. Redfin search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows EPD. The borrower went delinquent and then caught up. According to the payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $xx. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #X, with a sales price of $xxK, is closest to the subject property. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. Tape shows, IRS repayment obligation in DTI. Resulting DTI above tolerance. Further details not provided. Lender defect. Revised DTI xx%. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been SE for XX years at xx. BWRX receives social security and retirement income, FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Appraisal Fee at $XXX.XX. Final CD dated xx/xx/XXXX reflects Appraisal Fee at $XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> Investor Review Fee paid by Borrower: $XXX.XX<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Tax Service Fee paid by Borrower: $XX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> Investor Review Fee paid by Borrower: $XXX.XX<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Tax Service Fee paid by Borrower: $XX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender allowed the loan to close with a letter from the BWR and non-purchasing spouse stating they intend to separate. No evidence was provided to confirm the BWR would not be subject to pay child support/alimony. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for XX years, FICO XXX, $X,XXX in reserves. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller tape defect shows due to an LOX signed by the borrower stating they were pending separation/divorce, deemed this loan high risk due to the possibility of future alimony/child support payments, which could affect the ratios. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows excessive IPC (interested party contribution). Final CD reflects seller credit of $X,XXX.XX. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows BWR only had X.XX months reserves, guidelines required X months. Bank statements in the file show $xxK; gift assets verified of $xxK supported by gift letter satisfy the cash-to-close requirement of $XXXK at closing. Further details not provided. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to the borrower in the amount of $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows in VA refinance loans, there should be a waiting period, or gap, of XXX days between the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. On this loan, the waiting period is not satisfied. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed loan origination fee test due to fee charged $X,XXX.XX fee threshold by $X,XXX.XX, over by +$X,XXX.XX. <br> Below fees were included:<br> XXXX HOA Dues paid by Borrower: $X,XXX.XX<br> HOA Statement Fee paid by Borrower: $XXX.XX<br> Pest Inspection Fee paid by Borrower: $XXX.XX<br> Settlement or Closing Fee paid by Borrower: $XXX.XX<br> Title - Closing Protection Letter paid by Borrower: $XX.XX<br> Title Document Preparation Fee paid by Borrower: $XX.XX<br> Title Review Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | This loan failed loan origination fee test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX. <br> Below fees were included:<br> Notary Fee paid by Borrower: $XXX.XX<br> Settlement or Closing Fee paid by Borrower: $XXX.XX<br> Title CPL paid by Borrower: $XX.XX<br> Title Document Preparation Fee paid by Borrower: $XX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not have a VA LGC. The loan amount should be greater than $xx if the veteran is using additional entitlement and not restoring entitlement for an existing VA loan. The subject loan amount is $xx. The COE indicates there is a compromise on a previous loan. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows LP was run after the credit report expired. The file shows the credit report dated xx/xx/XXXX was XXX days old on the closing date and not expired at the time LP was run. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Rate Lock Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Rate Lock Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows the lender did not obtain supporting documentation to verify REO mortgage PITI and HOA expenses. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as an xx.; BWRX has X.XX years on the job as a xx in test with XXXX, FICO XXX, XXXX since inception, and $XXK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and file subject initially stated as a VA loan, and the appraiser did not obtain the SSR (Submission Summary Report) score result for the subject property. The loan closed as conventional, and the appraiser is non responsive. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show BWR does not meet any of the X FHA policy exemptions, as the BWR already had X FHA loans on the REO property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. The CD dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan did not requalify at the time of conversion of construction to a permanent loan due to updated credit documents. No updated credit documents in the loan file. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX.<br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The loan fails the Qualified Mortgage Lending Policy points and fees test due to fees charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX.<br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c), and (d). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | An appraisal report shows the type of subject property as a manufactured home. The affixation affidavit available in the loan file located at (xx) shows that the home is permanently affixed to the land. The MH rider is attached to the mortgage. Also, the VIN/Serial # (xx) is mentioned in the subject mortgage. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Evidence of hazard insurance is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 3: Curable | \* Type of Ownership is Leasehold or Cooperative (Lvl 3) | The subject loan originated on xx/xx/XXXX with a maturity date of xx/xx/XXXX. As per the lease agreement located at "xx,"the lease terms started from xx/xx/XXXX until xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX. The fees below were included in the test: Points—Loan Discount Fee paid by Borrower: $X,XXX.XX Processing Fee paid by Borrower: $XXX.XX Underwriting Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $X,XXX.XX Processing Fee paid by Borrower: $XXX.XX Underwriting Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows lender was unable to verify BWR employment. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as a xx. BWRX has X.XX years on the job as a xx, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrowers'/ borrower's income is $xx, and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by LP (Locator#xx) and its recommendation is "Accept" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX. <br> The below fees were included in the test:<br> Commitment Fee paid by Borrower: $XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX. <br> The below fees were included in the test:<br> Commitment Fee paid by Borrower: $XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows, "Prior to the mod completed on X/X/XX, the loan was due for X/X/XX and had X lates in the last XX months." The modification agreement was made between the borrowers and the lender on xx/xx/XXXX. As per the modified term, the new principal balance is $xx. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and Recording fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of Section C and Recording fee at $X,XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and file review indicate that the appraisal report was made subject to completion of renovations. Tape shows major interior renovations performed and property is xx% complete. Final CD reflects an escrow holdback in the amount of $xxK, and an updated XXXXD, or inspection report confirming completion of the renovations, is missing from the loan documentation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Credit | Legal Docs | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | Final CD reflects an escrow holdback in the amount of $xxK. Tape shows renovation is xx% complete. Proof of release for the remaining $xxK is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $X,XXX.XX<br> Mortgage Broker Fee (Indirect) $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $X,XXX.XX<br> Mortgage Broker Fee (Indirect) $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX.<br> Loan estimate dated xx/xx/XXXX reflects Renovation Permit Fee at $XXX.XX. CD dated xx/xx/XXXX reflects Renovation Permit Fee at $X,XXX.XX.<br> This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is uninsurable by the FHA as the subject loan does not meet the seasoning period requirements between the last transaction of the property and the subject loan. The review of the appraisal report shows the date of the prior transaction of the subject was xx/xx/XXXX with a sales price of $XXXK and the subject loan closed on xx/xx/XXXX with an appraised value of $xxK. Further details not provided. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan was closed as a Non-QM P&L documentation type. Tape shows the loan is unsalable, as the Profit and Loss (P&L) statement was signed by an individual with a PTIN who is not a CPA, EA, or CTEC. Per program requirements, the P&L must be signed by a qualified CPA, EA, or CTEC. Further details not provided. Subject loan originated on xx/xx/XXXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation |  | Active | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial application is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX, reflects cash to in the amount of $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the lender did not establish the BWR's capacity to repay, as the new job offer letter did not specify annual income based on non-fluctuating earnings. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR qualified using an offer letter as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at "xx" state that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is as is. The tape and photo addendum show repairs due to watermarks in the laundry room ceiling. The estimated cost to cure is not available in the loan file. XXXXD, or an engineer inspection report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)); an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c), and (d). (HPML) |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the buydown was not captured correctly in the AUS and the loan received ZFHA error and the AUS was invalidated. Further details not provided. The subject loan originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The MI certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the investor review fee. The CD dated xx/xx/XXXX reflects an investor review fee of $XXX.XX. The loan estimate dated xx/xx/XXXX does not reflect the loan origination fee. The CD dated xx/xx/XXXX reflects a loan origination fee at $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows Academy origination. The fees exceed the points and fees limit and could not be cured. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan fails the Qualified Mortgage Lending Policy points and fees test due to Fees charged ($XX,XXX.XX) exceed the fees threshold of $XX,XXX.XX by $X,XXX.XX. The below fees were included in the test:<br> Loan Administration paid by Borrower: $XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged ($XX,XXX.XX) exceed the fees threshold of $XX,XXX.XX by $X,XXX.XX. The below fees were included in the test:<br> Loan Administration paid by Borrower: $XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects an appraisal re-inspection fee of $XXX.XX. The CD dated xx/xx/XXXX reflects an appraisal re-inspection fee of $XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape show file was missing documentation used to certify the condo project is eligible. The condo questionnaire does not show any damage or repair work. The file shows an ineligible condo project, as the UW missed the $XXK annual social club membership, which is not permitted under FHLMC/FNMA guidelines. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. Review shows ATR confirmed including the condo fees. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved as NOO at xx%. The tape shows lender derived income from the sale of marijuana to qualify the BWR. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a xx, FICO XXX, and XXXX since inception and $XXK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is less than three business days before the consummation date of xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows incurable TRID violation. Further details not provided. The Infinity CE report shows the initial closing disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape reflects EPD. According to the payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | The final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows the lender did not document the BWR SE income correctly. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X.XX years at xx, FICO XXX and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO, as the subject property was listed for rent after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has XX.XX years on the job as an xx, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeding the disclosed finance charge of $XXX,XXX.XX by -$X,XXX.XX. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject was approved as OO. Tape shows the subject is NOO, as the subject property was listed for rent after closing. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The TRID total of payment disclosed on the final CD is $XXX,XXX.XX. The calculated total of payments is $XXX,XXX.XX for an under-disclosed amount of -$X,XXX.XX. The disclosed total of payments of $xx is not considered accurate because it is understated by more than $XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation |  | Active | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows rescission had to be reopened, as the amount financed was under-disclosed and the non-borrowing spouse has been hospitalized and did not sign the RTC. Further details not provided. Subject originated xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the investor declined the loan due to valuation concerns, as the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #X, with a sales price of $xxK, is closest to the subject property. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is closed with incorrect bonus entitlement. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX does reflect Appraisal Re-Inspection Fee at $XXX.XX. CD dated xx/xx/XXXX reflects Appraisal Re-Inspection Fee at $XXX.XX. <br> This is an increase of $XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and Recording fee at $XXX.XX. CD dated xx/xx/XXXX reflects the sum of Section C and Recording fee at $XXX.XX. This is a cumulative increase of $X.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents.<br> The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX.<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed FHA QM safe harbor test threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet the FHA seasoning requirement. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Rebuttable Presumption - defined by loan findings (Lvl 3) | Loan failed the FHA QM rebuttable presumption test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The servicing transfer disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | The initial XXXX signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | The initial loan estimate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and file show the subject poses health and safety issues due to mold and moisture present in the bathroom walls and ceiling, a hole in the vinyl siding, stained flooring, and scuffed walls. The XXXXD, or mold inspection report, is missing from the loan file. The final CD does not reflect the escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | ComplianceEase TRID tolerance test is incomplete due to initial LE and initial CD are missing from loan documents. The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Compliance failing for state regulations. PA license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The loan failed the qualified mortgage safe harbor threshold test due to the calculated APR of X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. The appraisal report is missing. As per the updated title report dated xx/xx/XXXX located at xx, the subject property is a manufactured home. The affidavit of affixation document is available in loan files located at xx, reflecting that the home is permanently affixed to the land. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Subject property is a new construction. The appraisal report is subject to the completion of new construction. The estimated cost of construction is not available. The XXXXD report is missing from the loan documents. The final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject is a construction-to-permanent loan with a shared well that was not addressed prior to closing. Appraisal report shows shared well systems are common for the area, and there are no plans for public hook-up, and it would not be feasible. XXXX shows an estimated value of $xxk. The current UPB is $xxk. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Closing_Disclosure violations (Lvl 3) | The loan is closed as conventional. The final closing disclosure (CD) indicates that the loan was closed as an FHA loan with a mortgage insurance premium (MIP) of $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to the APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. This loan is compliant with regulation XXXX.XX(b), (c) and (d). The subject loan is escrowed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The tape and file show the subject property's family room is being updated at the time of closing. The estimated cost to cure is not available in the loan file. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows BWR receiving unemployment compensation while being employed with xx for two years. Revised DTI XX.XX%. BWR defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X years on the job as an xx, FICO XXX, XXXX in the last XX months, $XXXK equity in the subject, and residual income of $X,XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | ComplianceEase TRID tolerance test is incomplete due to initial CD is missing from loan documents. The subject is a purchase case originated on xx/xx/XXXX, and X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the declaration section of the loan application revealed a prior foreclosure history within X years. Review of the file and credit report does not show any prior foreclosure history. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount and Consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per tape, unable to deliver due to Agency COVID NOO Delivery Cap. Freddie was limiting the number of Xnd homes & investments purchased at the time of origination. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xxand total expenses are in the amount of$X,XXX.XX, and the loan was underwritten by LP (Locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan was closed with an interest rate of X.XXX%, below the FNMA min X% threshold. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Mobile Home (Lvl 4) | Appraisal report is missing. As per the tape data, the subject property is single-family. The tax report is attached with the updated title report, which is located at "xx," which shows the property type as a mobile home on a XXXX acre lot. The ALTA X endorsement is not attached to the final title policy. The legal description attached to the subject mortgage does not show the VIN or serial number. The affidavit of affixation is not available to confirm whether the mobile home is affixed to a permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows the lender did not include the bridge loan payment in DTI calculation. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has XX.XX years on the job as an xx. BWRX has X.XX years on the job as a xx, DDS, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | ComplianceEase TRID tolerance test is incomplete due to the initial CD is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows that BWR was not employed at the time of closing. Revised DTI xx%. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a xx, FICO XXX, $XXXK equity in the subject, and residual income of $X,XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows missing evidence of a subordination agreement. The subordination agreement is available in the loan file located at "xx" recorded on xx/xx/XXXX with instrument #xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect the appraisal re-inspection fee. The final CD dated xx/xx/XXXX reflects the appraisal re-inspection fee of $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender miscalculated SE income. Revised DTI XX.XX%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is xx for X years and xx for X years, FICO XXX, $X,XXX residual income, $XXX.XK in reserves and $XXX.XK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $XX,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $XX,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved as OO at xx%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X months on the job as an xx. FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at xx%. Tape shows BWR provided altered payroll and bank documents. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X months on the job as a xx. BWRX has X months on the job as a xx, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date of xx/xx/XXXX is more than XX calendar days after the consummation date of xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | Tape shows the eligibility of the subject condo project was not established. Review of the file shows the appraisal report is as is, and the condo questionnaire shows the HOA is evaluating certain construction issues that may require remediation in the future. Further details not provided. XXXX search shows an estimated value of $X.XM. Current UPB $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The loan failed the qualified mortgage safe harbor threshold test due to the APR being calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows loan fails APOR-APR rate test. Further details not provided. Infinity CE report failed for APOR-APR. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $XX,XXX.XX exceeds the fees threshold of $X,XXX.XX over by $X,XXX.XX. The below fees were included in the test: Loan Origination Fee paid by Borrower: $X,XXX.XX Points—Loan Discount Fee paid by Borrower: $X,XXX.XX<br>The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $XX,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$X,XXX.XX. The below fees were included in the test: Loan Origination Fee paid by Borrower: $X,XXX.XX Points—Loan Discount Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The loan fails the compliance delivery and timing test for the CD dated xx/xx/XXXX. The document tracker is missing, and X business days were added to get the receipt date of xx/xx/XXXX, which is after the consummation date of xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $XX,XXX.XX exceeds the fees threshold of $XX,XXX.XX by $X,XXX.XX. The below fees were included in the test: Mortgage Broker Fee (Indirect): $XX,XXX.XX Points—Loan Discount Fee paid by Borrower: $X,XXX.XX Underwriting Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $XX,XXX.XX exceeding the fees threshold of $XX,XXX.XX by $X,XXX.XX. The below fees were included in the test: Mortgage Broker Fee (Indirect): $XX,XXX.XX Points—Loan Discount Fee paid by Borrower: $X,XXX.XX Underwriting Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property is Manufactured Housing (Lvl 3) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial # xx has been affixed to the permanent foundation. Schedule B of the title policy shows an exception for notice of manufactured home, installation on a foundation system recorded on xx/xx/XXXX in inst#xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of $XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a refinance, originated on xx/xx/XXXX, and the SOL is X years. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Cash out purchase (Lvl 3) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX, reflects cash to the borrower in the amount of $XX,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape show this loan is uninsurable. This loan needed entitlement to be restored to qualify for the loan amount. A TC condition remains on the file, and an assumption was performed instead of the departing REO. The max loan amount without entitlement restored is $XXX,XXX. The auditor reviewed the loan as being assumed instead of paid in full. The new borrower on the assumption is not a veteran, so the entitlement cannot be restored until the loan is paid in full. The loan exceeds the allowable amount by $XXX,XXX. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The VA loan guarantee certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The settlement services provider list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #X, with a sales price of $xxK, is closest to the subject property. Redfin search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (Locator xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows no flooring in the study room. The estimated cost of repairs is $xx. The final XXXXD showing the completion of repairs is missing from the loan documents. The final CD does not reflect any escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. The CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects an Appraisal Fee of $XXX.XX. The CD dated xx/xx/XXXX reflects an Appraisal Fee of $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows a revised DTI of xx%. Further details are not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been xx for XX years, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Appraisal report in the file is as-is. The improvement section shows the XXXX need to be installed. The estimated cost to cure is not available in the loan file. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan failed ComplianceEase delivery and timing test for revised CD dated xx/xx/XXXX. Document tracker is available and the receipt date of xx/xx/XXXX which is less than X business days before consummation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)); an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c), and (d). The loan failed the QM safe harbor threshold test due to the APR calculated at X.XXX%, exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects lender credit at $X.XX; the final CD dated xx/xx/XXXX reflects the lender at $X.XX. This is an increase of +$X.XX for a fee that has a X% tolerance test.<br> The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows asset misrepresentation, as the statements were fabricated. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X months on the job as an xx, and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | "The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is available at xx." XXXX search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows the subject property's listing history was not reported and adequately analyzed. Further details not provided. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #X, with a sales price of $xxM, is closest to the subject property. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TRID total of payment disclosed on final CD as $X,XXX,XXX.XX. Calculated total of payments is $X,XXX,XXX.XX for an under disclosed amount of -$XXX.XX. The disclosed total of payments of $xx is not considered accurate due to it is understated by more than $XXX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender qualified the BWR on xx from a business sold in XXXX. Per the tape, continuance of income could not be established. Per the tax returns, the majority of the income has been received so the income will not continue for X years. Revised DTI cannot be determined. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE in multiple businesses. FICO XXX. $X.XXM in reserves and $XXXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect points - loan discount fee. The final CD dated xx/xx/XXXX reflects points - loan discount fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows e-sign documents following mailbox delivery incorrectly included Sunday in the rescission (cooling-off) period, which would have allowed the CD to be generated on the same day the LE was considered delivered. Review of the file does not indicate that the CD was generated on the same day as the LE, and Infinity CE did not fail the delivery and timing test. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Subject is NOO. Tape shows the subject loan is a non arm's length transaction involving a newly constructed home previously owned by the borrower's father. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows incorrect SOFR causing MDIA issues / corrected by secondary on xx/xx/XXXX. Further details are not required. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $XX,XXX.XX, exceeding the fees threshold of $XX,XXX.XX by $XX,XXX.XX. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $XX,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX<br>The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Mortgage Broker Fee. Final CD dated xx/xx/XXXX reflects Mortgage Broker Fee at $XX,XXX.XX. This is an increase in fee of +$XX,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/XXXX. Initial CD dated xx/xx/XXXX reflects lender credit at $XX,XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X. This is decrease of +$XX,XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X month on the job as a xx, FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | The final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the appraisal report used on the subject loan is a transferred appraisal, and the LO used on the subject loan intentionally overstated the subject property value. The date of the prior sale or transfer is xx/xx/XXXX in the amount of $xxK. The subject's appraised value on xx/xx/XXXX was $xxK. The subject has received no significant upgrades or repairs. The property analysis report from XXXX is not supported. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | The initial XXXX signed by the loan originator is missing from the loan files. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender miscalculated rental income. Revised DTI is xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for XX years, FICO XXX, $X,XXX residual income, $XX.XK in reserves and $XXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows assets are insufficient for closing. Bank statements in the file show $XXK; gift assets verified of $XK supported by a gift letter satisfy the cash-to-close requirement of $XXK at closing. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows SE income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE for X.XX years at xx., FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Appraisal report is subject to inspection of the source of seepage in the basement. The estimated cost of repairs is not available. XXXXD, or the inspection report by the licensed professional is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects points—loan discount fee at $XX,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired.<br>The TRID total of payment disclosed on the final CD is $X,XXX,XXX.XX. The calculated total of payments is $X,XXX,XXX.XX for an under-disclosed amount of -$X,XXX.XX. The disclosed total of payments of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject was approved as NOO using DSCR method on X/XX/XX. Tape shows the BWR rented out the subject property to family members in violation of lender guidelines. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the comment addendum shows the minimal repairs to building components/mechanical systems and cosmetic repairs. The estimated cost of repairs is not available. XXXXD is missing from the loan document, and the final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $XX,XXX.XX exceeds the fees threshold of $XX,XXX.XX by $X,XXX.XX. The below fees were included in the test: Funding, Wire, or Disbursement Fee paid by borrower: $XX.XX Points—Loan Discount Fee paid by Borrower: $XX,XXX.XX Underwriting Fee paid by Borrower: $X,XXX.XX Warehousing Fee paid by Borrower: $XXX.XX<br>The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $XX,XXX.XX exceeds the fees threshold of $XX,XXX.XX by $X,XXX.XX. The below fees were included in the test: Funding, Wire, or Disbursement Fee paid by borrower: $XX.XX Points—Loan Discount Fee paid by Borrower: $XX,XXX.XX Underwriting Fee paid by Borrower: $X,XXX.XX Warehousing Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $XX,XXX.XX. The CD dated xx/xx/XXXX reflects points—loan discount fee at $XX,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at xx%. Tape shows borrower not employed at time of closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has XX.XX years on the job as a xx. BWRX and BWRX receive social security income, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved as NOO at xx%. The tape shows misrepresentation of BWR's income and employment. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx. FICO XXX, $XXXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% and charges that in total cannot increase more than XX% tolerance test due to loan failed Initial LE delivery and timing test. Initial LE dated xx/xx/XXXX and delivered on xx/xx/XXXX, which is less than the seventh business day from the consummation date of xx/xx/XXXX. This loan failed the written list of service providers disclosure date test, as the written list of service providers is less than the seventh business day from the final closing disclosure on xx/xx/XXXX. This loan failed the initial loan estimate delivery date test, as the initial LE is less than the seventh business day from the final closing disclosure on xx/xx/XXXX.<br>Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the initial LE dated xx/xx/XXXX (XXXX) was not provided to the borrower a minimum of X days prior to consummation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at XX.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the Mortgage Broker Fee. The CD dated xx/xx/XXXX reflects a Mortgage Broker Fee of $XX,XXX.XX. This is an increase in fee of $XX,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br> TRID Violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects Lender Credit at $X.XX; the final CD dated xx/xx/XXXX reflects Lender at $XXX.XX. This is a decrease of +$XXX.XX for a fee that has a X% tolerance test.<br>The subject loan is a refinance, originated on xx/xx/XXXX, and the SOL is X years. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X))an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c), and (d). The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated, X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $XX,XXX.XX exceeding the fees threshold of $XX,XXX.XX by $XXX.XX. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $XX,XXX.XX Underwriting Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows BWR obtaining a new job prior to loan modification, and the revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx, FICO XXX, $XXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $X,XXX,XXX.XX. The calculated finance charge is $X,XXX,XXX.XX for an under disclosed amount of -$XX,XXX.XX. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. <br> The TRID total of payment disclosed on the final CD is $X,XXX,XXX.XX. The calculated total of payments is $X,XXX,XXX.XX for an under disclosed amount of -$XX,XXX.XX. The disclosed total of payments of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Right of Rescission missing or unexecuted (Lvl 3) | The right of rescission is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged ($XX,XXX.XX) exceed the fees threshold of $XX,XXX.XX by $XXX.XX. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $XX,XXX.XX Underwriting Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. The loan fails the compliance delivery and timing test for the CD dated xx/xx/XXXX. The document tracker is missing, and X business days were added to get the receipt date of xx/xx/XXXX, which is after the consummation date of xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject NOO approved at xx%. File shows inconsistent income and losses for XXXX and XXXX. File is missing XXXX business tax returns. Lender defect. BWR is has multiple rental properties. FICO XXX. $XXXK equity in subject.<br> xx/xx/XXXX: SOL expired, we will downgrade exception to LVLX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the appraisal report used on the subject loan is a transferred appraisal, and the LO used on the subject loan intentionally overstated the subject property value. The date of the prior sale or transfer is xx/xx/XXXX in the amount of $xxK. The subject's appraised value on xx/xx/XXXX was $xxK. Subject has received no significant upgrades or repairs. A desk review report dated xx/xx/XXXX from XXXX shows an estimated value of $xxK. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject is NOO and approved at xx%. Tape shows undisclosed debt. Revised DTI is xx%. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has XX months on the job as a xx, FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows the lender did not document the appraisal report of REO properties supporting rental income used for qualification. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X month on the job as an xx, BWRX has X.XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows automatic calls, emails, and letters sent to the borrower for due payment on XX/XX/XX. Further details not provided. According to payment history as of xx/xx/XXXX, the borrower has been delinquent for X months, and the next due date is xx/xx/XXXX.<br>Tape shows the appraisal was expired prior to closing, and recertification was not logged into FHA Connection before closing. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing in loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan failed the qualified mortgage safe harbor threshold test due to the calculated APR of X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Subject property is a new construction. The appraisal report is subject to the completion of new construction. The estimated cost of construction is not available. The XXXXD report is missing from the loan documents. The final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect points - loan discount fee. The final CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by DU Locator xx,and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows that the FHA case number features an incorrect county code, which cannot be corrected as it was issued by the HUD Field Office in XXXX, while the new county code pertains to Jackson. Post-closing updates to the county code are not permitted, and the loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject is co-op property, and the DMI is not approved for co-ops. Further details not provided. The subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject was downgraded due to excessive AUS runs. Further details not provided. The subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the MI company pulled for an audit, and it rescinded the MI coverage, which prompted an agency to report and buyback. Further details not provided. The subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at xx%. Tape shows borrower switched jobs prior to closing. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X year on the job as a xx, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed the loan origination fee test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$X,XXX.XX. The below fees were included in the test: Pest Inspection Fee paid by Borrower: $XX.XX Real Estate Commission paid by Borrower: $X,XXX.XX Title Courier Fee paid by Borrower: $XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | VA guaranty certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan could not be insured due to the loan amount being below $xx. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Mortgage Insurance Premium at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Mortgage Insurance Premium at $X,XXX.XX. This is an increase fee in the amount of +$X.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The tape and file show the appraisal report was subject to the completion of renovation. The appraisal states the renovation is an addition with costs of $xx. The XXXXD, or an engineer inspection report, is missing from the loan documents. XXXX search shows an estimated value of $xxM. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate.<br>xx/xx/XXXX: Downgraded to LVLX as SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* Balloon Rider Missing (Lvl 3) | Balloon rider is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | Subject loan is manual underwritten. Reaching out to the seller for the guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* Credit report >90 days old at closing (Lvl 3) | Credit report > XX days old at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan closed as second lien renovation loan, and the tape shows the subject lien did not close with XX-month balloon payment term. The lender/investor is not able to call due on the subject loan, as the BWR is not willing to payoff the Xst mortgage with X% interest rate with AFG. The subject loan was initially approved for being XX-month renovation loan and eventually closed as XX-year term mortgage. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase XX% tolerance test. Initial LE dated xx/xx/XXXX reflects Recording Fee at $XXX.XX. Final CD dated xx/xx/XXXX reflects Recording Fee at $XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows BWR lost their qualifying job before closing and started new employment with non-borrowing spouse's new company. Lack of stability of income. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X month on the job as a xx , FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and Recording fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of Section C and Recording fee at $X,XXX.XX. This is a cumulative increase of $XXX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the pest inspection fee. The CD dated xx/xx/XXXX reflects a pest inspection fee of $XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The VA guaranty certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points—loan discount fee. The CD dated xx/xx/XXXX reflects points—loan discount fee at $XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrowers income is $xx, and total expenses are in the amount of $X,XXX.XX. The loan was under-written by DU (Locator# xx) and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects Lender Credit at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Lender Credit at $X.XX. This is decrease of +$XXX.XX for fee which has X% tolerance test. The subject loan is a refinance case that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Admin Agent. Final CD dated xx/xx/XXXX reflects Admin Agent at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD, dated xx/xx/XXXX, reflects cash to be in the amount of $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to the borrower in the amount of $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. The Lender included OT and bonus for BWR X without a X-year history and used BWR X variable income on a job starting after closing. Revised DTI cannot be determined. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X.X years, BWR X is employed with xx with a start date after closing, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows bathroom leaks were not repaired prior to closing. Appraisal report completed as As-Is and photo addendum does not show any leaks on bathroom. XXXX search reflects an estimated value of $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows TRID issues due to the LE and initial CD sent on the same date. Further details not provided. File shows the loan did not fail any TRID time and delivery violation tests. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan has no defect, and the loan is aged and unsalable. Further details not provided. Subject originated xx/xx/XX, XXXX last XX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the appraisal review fee. The CD dated xx/xx/XXXX reflects an appraisal review fee of $XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows miscalculation of social security income. Revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR receives social security income, FICO XXX, $XXXK equity in the subject and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU (Locator# xx) and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. Final CD dated xx/xx/XXXX reflects cash to in the amount of $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender did not include the full tax amount in PITI. Revised DTI xx%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X.X years, FICO XXX, $X,XXX residual income, XXXX since inception and $XX.XK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan fails the prohibited fees test.<br> The below fees were included in the test:<br> Attorney's Fees-Borrower Chosen paid by Borrower: $X,XXX.XX<br> Lender's Outside Counsel Fee paid by Borrower: $XXX.XX<br> Real Estate Commission paid by Borrower: $XXX.XX<br> Wire Transfer Fee paid by Borrower: $XX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape data shows the loan was repurchased from the investor due to the Xst payment default and delinquency greater than XX days. The borrower requested a modification in XXXX. The loan has now been current for XX months and is due on xx/xx/XXXX. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect points - loan discount fee. The CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. The CD dated xx/xx/XXXX reflects an appraisal fee of $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the property was sold below market value as a deed-restricted property; LTV based on sales price is xx%, while the appraisal reflects full market value. Further details not provided. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWRX was not employed at closing. Revised DTI is xx%. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X month on the job as a xx. BWRX has X.XX years on the job as an xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | The final CD reflects the closing date as xx/xx/XXXX. The notary's signature date on the mortgage/deed of trust is xx/xx/XXXX. Note the date is xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does not reflect points—the loan discount fee. CD dated xx/xx/XXXX reflects points—loan discount fee at $XXX.XX. Loan estimate dated xx/xx/XXXX does not reflect buydown/subsidy fee. CD dated xx/xx/XXXX reflects buydown/subsidy fee at $X,XXX.XX. <br> This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $XX,XXX.XX exceed the fees threshold of $XX,XXX.XX by $XXX.XX. The below fees were included in the test: Buydown/Subsidy Fee paid by Borrower: $X,XXX.XX Loan Origination Fee paid by Borrower: $X,XXX.XX Points—Loan Discount Fee paid by Borrower: $XXX.XX Processing Fee paid by Borrower: $XXX.XX Tax Service Fee paid by Borrower: $XX.XX Underwriting Fee paid by Borrower: $XXX.XX<br>The loan fails the qualified mortgage lending policy points and fees test due to fees charged, $XX,XXX.XX, exceed the fees threshold of $XX,XXX.XX by $XXX.XX. The below fees were included in the test: Buydown/Subsidy Fee paid by Borrower: $X,XXX.XX Loan Origination Fee paid by Borrower: $X,XXX.XX Points—Loan Discount Fee paid by Borrower: $XXX.XX Processing Fee paid by Borrower: $XXX.XX Tax Service Fee paid by Borrower: $XX.XX Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the loan fails QM points & fees test. Further details not provided. Infinity CE result shows the loan failed QM point & fees test failed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c), and (d). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the loan fails HPML test due to APR exceeds threshold of X.XX%. Further details not provided. The Infinity CE result shows the loan failed HPML test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the credit expired and the AUS recommendation to "intermediate." Further details not provided. The AUS/DU report in the file shows a risk recommendation of approve/eligible at DTI of xx%. The subject loan originated on xx/xx/XXXX, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation |  | Active | 3: Curable | \* Property type is inconsistent with the tape (Lvl 3) | Property type is inconsistent with the tape. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | The transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows MI is not being collected after boarding the loan due to a servicing issue. The lender has the option to cure by refinancing and paying upfront MI or seeing if the S&D bid is acceptable. Documents supporting that MI is currently active (as of xx/xx/XXXX) are available in the loan file. Further details not provided. The subject loan originated on xx/xx/XXXX, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Valuation |  | Active | 3: Curable | \* Property type is inconsistent with the tape (Lvl 3) | Property type is inconsistent with the tape. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved as NOO at xx%. Tape shows lender used rental income from REO that was not supported by tax returns or leases. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx, FICO XXX, and $XXK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan failed the GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged of $XX,XXX.XX exceed the fees threshold of $XX,XXX.XX over by +$XXX.XX. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $XX,XXX.XX Points - Loan Discount Fee paid by Borrower: $XXX.XX.<br>The loan failed the qualified mortgage lending policy points and fees test due to fees charged of $XX,XXX.XX exceed the fees threshold of $XX,XXX.XX over by +$XXX.XX. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $XX,XXX.XX Points - Loan Discount Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows IPC on the subject loan exceeds xx%. LTV is xx%. FCD reflects a seller credit of $xx, a sales price of $xx, and IPC is at xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows the lender unable to verify the borrower's employment. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx. Additionally, BWRX received social security income. BWRX receives social security income. FICO XXX, $xxK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation |  | Active | 3: Curable | \* Property type is inconsistent with the tape (Lvl 3) | Property type is inconsistent with the tape. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect transfer taxes. The CD dated xx/xx/XXXX reflects transfer taxes at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-years SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The signed rate lock agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | The tape indicates insufficient assets as required by AUS. The bank statement shows an available balance of $xx, and the $XXK in gift funds does not meet the $XXK cash-to-close requirement. Gift letter for XXK is available on the loan file.The Final CD also reflects a required cash to close of $XXK. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan was repurchased today due to EPD. The payment history shows that the payment for the due date of xx/xx/XXXX was made on XX/X/XX and the payment for the due date of xx/xx/XXXX payment was made on XX/XX/XX. Loan is DSCR investment and is now paid current. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails. GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $XX,XXX.XX exceeds Fees threshold of $XX,XXX.XX over by +$X,XXX.XX. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $XX,XXX.XX Processing Fee paid by Borrower: $XXX.XX Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows income and asset misrepresentation, and BWR paid MB financial debt without supportive documents of payoff. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx. BWR is employed by the family member, FICO XXX, XXXX since inception, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan fails the qualified mortgage lending policy points and fees test due to fees charged $XX,XXX.XX exceed the fees threshold of $XX,XXX.XX by $X,XXX.XX. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $XX,XXX.XX Processing Fee paid by Borrower: $XXX.XX Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows the lender did not document the HELOC loan payoff prior to closing. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has XX.XX years on the job as a xx, BWRX has X.XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. ATR confirmed at time of review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. BWR sold a business and is started xx for X months. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR qualified using asset depletion income, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows credit deficiency. Further details are not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect the property data report fee. The final CD dated xx/xx/XXXX reflects the property data report fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject was closed without an appraisal report, closed using PDR, and the AUS report shows a hybrid appraisal inspection report is required on the loan. XXXX search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The initial loan estimate dated xx/xx/XXXX does not reflect a mortgage broker fee. The final CD dated xx/xx/XXXX reflects a mortgage broker fee of $X,XXX.XX.<br> The initial loan estimate dated xx/xx/XXXX does not reflect property data report fee. The final CD dated xx/xx/XXXX reflects property data report fee of $XXX.XX.<br> This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows the lender omitted both the monthly HOA payment of $XXX.XX for the REO property and omitted the monthly child support payment of $XXX. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx, BWRX has X.XX years on the job as a xx, FICO XXX, XXXX since inception, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller tape defect shows repurchase from XXXX due to early payment default. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject was approved as OO. Tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX.XX years on the job as a xx, FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br>This loan failed the Pennsylvania license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation |  | Active | 4: Unacceptable | \* Property type is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects Points—Loan Discount Fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows BWR does not have sufficient income to support the monthly obligations. Rental income was insufficiently documented and miscalculated. Revised DTI is xx%. Lender Defect The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X month on the job as a xx, FICO XXX, $XXXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows income and debt miscalculation. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as an xx. FICO XXX, $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The tape shows the appraisal certificate of completion is missing for the HUD certification/plate label. The file shows the appraisal certificate of completion is available for the HUD certification/plate label. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the seller's tape, the first modified payment date is xx/xx/XXXX and the capitalized amount is $xx. The loan was modified on xx/xx/XXXX. According to the tape as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB reflected as per the tape is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider attached with the recorded mortgage located at "xx" states that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx. BWRX has X.XX years on the job as an xx. FICO XXX, XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value of $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance policy is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Credit | AUS | Active | 4: Unacceptable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 4) | AUS report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show credit documents such as an appraisal and all initial disclosures are missing. Further details not provided. Subject loan originated on xx/xx/XXXX and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Reaching out to seller to verify active MI status. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed per diem interest amount test due to fees charged $XXX.XX exceed fees threshold of $XX.XX over by +$XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows a gift letter for $XK, and the source of funds is missing from the loan file. The bank statement in the file shows assets of $XXXK, and the cash-to-close requirement is $X,XXX. Subject loan originated on xx/xx/XXXX and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as the final TIL is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. Final CD dated xx/xx/XXXX reflects cash to in the amount of $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$X,XXX.XX. The below fees were included in the test: Loan Origination Fee paid by Borrower: $X,XXX.XX Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. Loan failed qualified mortgage lending policy points and fees test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$X,XXX.XX. The below fees were included in the test: Loan Origination Fee paid by Borrower: $X,XXX.XX Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. Loan fails FHA QM rebuttable presumption test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$X,XXX.XX. The below fees were included in the test: Loan Origination Fee paid by Borrower: $X,XXX.XX Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount and Consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the credit report was expired prior to closing, and the recent credit report obtained reflects a score of XXX, which was below the minimum allowed limit of XXX. Further details not provided. Subject loan originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/XXXX reflects Appraisal Re-Inspection Fee at $XXX.XX. This is an increase fee in the amount of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | The tape shows the subject loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed the FHA QM safe harbor threshold test due to the APR calculated at X.XXX% and the comparison data of the APR threshold at X.XXX%, which is under variance by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows EPD. According to payment history as of xx/xx/XXXX, the borrower has been delinquent for X months, and the next due date is xx/xx/XXXX. The current P&I is $xx with an interest rate of xx%. The current UPB reflected as per the payment history is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation in charges that cannot increase the test due to an increase of fee in the final CD dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX Points—Loan Discount Fee at $X,XXX.XX The final CD dated xx/xx/XXXX reflects Points—Loan Discount Fee at $X,XXX.XX. This is a fee increase of +$X,XXX.XX for the X% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a refinance case that originated on xx/xx/XXXX, and the SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | Subject is manual underwritten loan. Reaching out to the seller for the guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the seller's tape, "EPD." According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | Subject is manual underwritten loan. Reaching out to the seller for the guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows EPD. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show the appraisal failed to adjust properly for the comps, sale date, condition, age of properties, and physical dissimilarities to arrive at an appraised value of $xxK. Appraisal comp #X, with a sales price of $xxK, is most similar to the subject property, however had a sale date XX months prior to the appraisal date and no time adjustment. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan closed with an electronically signed note. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the homebuyer education certificate is missing. BWR completed the homebuyer education certificate postclosing the loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The loan failed revised LE timing requirement test due to the revised LE and initial CD issued on the same date of xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed state regulations for PA license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject does not qualify for manual underwriting, and AUS returned a Refer recommendation. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—a loan discount fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br> Loan failed charges in total cannot increase more than XX% tolerance test. The LE dated xx/xx/XXXX reflects the sum of Section C fees and recording fees at $XXX.XX. The CD dated xx/xx/XXXX reflects the sum of Section C and the recording fee at $X,XXX.XX. This is a cumulative increase of $X,XXX.XX for charges that in total cannot increase more than XX%. COC for the increase in fee is missing from the loan documents.<br> The subject is purchase case originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash in the amount of $XXXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | West Virginia | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | West Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject was closed with a new FHA case number xx, and the appraisal report in the file had the old FHA case number xx, and the lender did not order an appraisal with the new FHA case number. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | West Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | West Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed the TILA PCCD coverage conflict validation test due to the loan contains multiple disclosures, including a PCCD, and the data required for determining TILA coverage conflicts between the PCCD and the last disclosure given at or prior to consummation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | West Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | West Virginia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows repurchased due to ineligibility for cash-out refinance. The borrower has not been on the title for X months as required per guidelines. Loan modification keeping the same rate (update from XX/X/XX-xx/xx/XXXX to XX/X/XX-xx/xx/XXXX with $XX,XXX.XX adjusted). The modification agreement was made on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx, and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by LP (xx), and its recommendation is "Accept" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation |  | Active | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows an increase in DIT of xx%. Further details not provided. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has XX.XX years on the job as an xx. Additionally, BWR has XX.XX years on the job as a xx, FICO XXX, $XXK equity in the subject, and residual income of $X,XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. Initial CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $XXX.XX. This is decrease of +$XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br> The subject loan is refinance case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | Tape shows the subject condo project is ineligible for sale to agencies due to critical repairs that are still incomplete. The subject loan closed without appraisal (PIW), and the condo questionnaire shows the association has borrowed $X.XM for multiple repairs that are critical in nature. The repairs include, but are not limited to, roof repairs and replacement, garage roof repairs. An engineer inspection report by a licensed professional verifying the completion of repairs and structural integrity is missing from the loan documents. XXXX search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the AUS recommendation is refer and does not qualify for manual UW. Further details not found. The subject was approved at XX%. Subject loan originated on xx/xx/XXXX, FICO XXX, and XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan failed the QM safe harbor threshold test due to the APR being calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. The loan failed the QM APR threshold test due to the APR being calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | ARM loan program disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the revised FICO of BWR could not be determined due to a credit freeze. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeding the disclosed finance charge of $XXX,XXX.XX by -$XXX.XX. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired.<br>The TRID total of payment disclosed on the final CD is $X,XXX,XXX.XX. The calculated total of payments is $X,XXX,XXX.XX for an under disclosed amount of -$XXX.XX. The disclosed total of payments of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The servicing transfer disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete due to Initial LE and initial CD are missing from loan documents.<br>The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | The loan failed GSE (Fannie Mae public guidelines). The QM APR test is due to the APR being calculated at X.XXX%; it exceeds the APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows APR exceeded the APOR by X.XX% rendering the loan non-QM and ineligible for sale. Further details not provided. Infinity CE results show the loan failed the APR test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | The initial loan estimate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows repurchase EPD. The loan is now current. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation in charges that cannot increase the test due to the increase of the fee in the final CD dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX does not reflect points—loan discount fees. The final CD dated xx/xx/XXXX reflects Points—Loan Discount Fee at $X,XXX.XX. This is a fee increase of $X,XXX.XX for the X% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. <br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows borrower was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx. Additionally, BWR receives dividend income. FICO XXX, XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the real estate agent on the subject loan is on the Freddie exclusionary list. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeding the disclosed finance charge of $XXX,XXX.XX by -$XXX.XX. The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows the debt miscalculation, as the lender did not document payoff evidence of REO mortgage debt prior to closing. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx, and BWRX has X.XX years on the job as a xx, FICO XXX, $XXK equity in the subject, and $X,XXX residual income. ATR confirmed at time of review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider attached to the recorded mortgage located at "xx" states that the manufactured home with serial #xx has been affixed to the permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows divorce buy out of property not supported. Divorce Decree is not provided to support buy out specifications. File shows the subject loan is a refinance, and the property ownership was acquired through divorce from ex-spouse, who gave up the title right through a quitclaim deed on xx/xx/XXXX. Further details not provided. Subject originated on xx/xx/XXXX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | The supporting document needed to verify PMI activation is missing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows excessive IPC (interested party contribution). Final CD reflects seller credit of $X,XXX. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed TILA Post-Consummation Revised Closing Disclosure Rescission Finance Charge Test. Finance charge disclosed on post CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of $X,XXX.XX.<br> Subject loan is a purchase case, originated on xx/XX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows qualifying income used by the lender exceeds the maximum income limit permitted under the bond program guidelines. Further details not provided. Subject loan originated on xx/xx/XXXX, FICO XXX, and XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | The flood certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | The final VA Underwriting transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | The TRID tolerance test is incomplete due to Initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet the seasoning requirement on VA cash-out refinance. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | The credit report is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The settlement services provider list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the TRID disclosure delivery date validation test. The revised loan estimate delivery date is on the initial closing disclosure. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: The revised loan estimate delivery date is less than seven business days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject was approved as OO. Tape shows the subject is NOO. XXXX search shows property was listed for rent. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan was not eligible for standard VA underwriting, as the BWRX has no VA entitlement. This reduced the total guaranty to less than xx%, requiring the loan to be underwritten as a veteran/non-veteran scenario. As delivered, the loan is only insured for $xxK, which is xx% of the loan amount. Further details not provided. subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and file show the subject has structural, health, and safety concerns, including a fire-damaged shed exterior and roof, loose and uneven second-floor wood steps, exterior brick cracks, and damaged/stained bedroom flooring. The estimated cost to cure is not available in the loan file. An inspection report by a qualified licensed professional is missing from the loan documents. The final CD does not reflect the escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the initial closing disclosure delivery date test. The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business<br> days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. LE dated xx/xx/XXXX does not reflect Appraisal XXXXD Final Inspection Fee. CD dated xx/xx/XXXX reflects Appraisal XXXXD Final Inspection Fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan is delinquent. According to payment history as of xx/xx/XXXX, the borrower has been delinquent for X months, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br>This loan failed the Pennsylvania license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows a defect as EPD. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $Xxx. Further details were not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. The supplemental addendum of the appraisal report shows smoke detectors were missing. The estimated cost to cure is not available in the loan file. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Commitment Fee paid by Borrower: $X,XXX.XX<br> Mortgage Broker Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX.<br>This loan failed the amortization test.<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Commitment Fee paid by Borrower: $X,XXX.XX<br> Mortgage Broker Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* MI, FHA or MIC missing and required (Lvl 4) | Tape shows subject is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the non-borrower is on the title and vesting docs. The subject note has X borrower, xx. As per the updated title report, the subject property was acquired by xx on xx/xx/XXXX through a warranty deed, which was recorded on Xxx/xx/XXXX. The subject mortgage was originated with xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Reaching out to seller to verify active MI status. The tape shows the subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #X, with a sales price of $xxK, is like kind house to the subject property. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as xx., a FICO of XXX, XXXX since inception, and $X,XXX residual income. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the credit report dated xx/xx/XXXX had expired, as it was more than XXX days at closing. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to the borrower in the amount of $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. Initial CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$XX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. <br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation |  | Active | 3: Curable | \* Property type is inconsistent with the tape (Lvl 3) | Property type is inconsistent with the tape. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is not FHA insured, as the non-occupant co-borrower is not a family member. Non-occupant BWR on note is a family friend and is not on title or the mortgage. Further details not provided. Subject loan originated on xx/xx/XXXX, FICO XXX, and XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Reaching out to seller to verify active MI status. The tape shows the subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d). <br>Loan failed FHA QM Safe Harbor threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Closing_Disclosure violations (Lvl 3) | Revised closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at XX.XX%. The tape shows BWR was not employed at closing. The revised DTI is XX.XX%. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a senior accountant at Altman, FICO XXX, XXXX since inception, $XXXK equity in subject and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value at $XXXK. Current UPB is $XXXK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows "All payments made timely, with multiple being made prior to due date." According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Kansas license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and review of loan file show the subject is OO and a MFH property with a shed (ADU) both located on the same parcel (#xx). This makes the loan ineligible for delivery to FNMA. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Appraisal report is as is, and the comment addendum shows interior and exterior repairs. The estimated cost of repairs is not available. XXXXD is missing from the loan document, and the final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | The lease agreement is missing from the loan documents. Seller confirmed lease agreement is not available. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan is NOO and was approved at xx%. Tape shows SE income miscalculation, as depreciation used by the lender is not supported by Freddie Mac guidelines. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been xx for X.XX years at xx, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the revised closing disclosure delivery date test, as the revised closing disclosure receipt date provided is after the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender closed the loan without paying off debts required to qualify. Lender defect. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X.X years, BWR X is employed with xx for X.X years, FICO XXX, $X,XXX residual income, $XXK reserves and $XXXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan was not repurchased as certain conditions that required to be cleared were not done with the XXX-delivery deadline. xx and BWR/Seller disagree on the acquisition cost, as the seller refuses to sign until xx is in agreement with the acquisition cost amount. Subject property title ownership is a leasehold; final CD reflects sales price of $xx. Seller affidavit located at xx shows acquisition cost of $xx executed by the BWR and property seller. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 3: Curable | \* Type of Ownership is Leasehold or Cooperative (Lvl 3) | The subject property is leasehold. The subject leasehold agreement is in the file located at xx, and the leasehold term expires xx/xx/XXXX. The maturity date is not available on mortgage document. As per note, the loan matures on xx/xx/XXXX. As per the tape defect leasehold expiration must be noted in the title report. Ground lease recording info to be cited on schedule BII. Final title policy is missing for the subject loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and file show the subject is a single-wide mobile home that was approved as a second home, a combination that is not allowed under GSE guidelines, rendering the property ineligible. Further details not provided. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial #xx has been affixed to the permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects A Points - Loan Discount Fee at $XX.XX. CD dated xx/xx/XXXX reflects A Points - Loan Discount Fee at $XXX.XX. The loan estimate dated xx/xx/XXXX does not reflect the Lock Extension [Custom Fee]. The CD dated xx/xx/XXXX reflects the Lock Extension [Custom Fee] at $XX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the subject condo project is non-warrantable, as the condo project does not carry flood insurance to cover the units and common elements, and unit owners have their personal flood insurance. An individual flood insurance policy for the subject property is available in the file. The condo questionnaire shows the condo association has active litigation. The litigation is a cross-claim between two unit owners. Further details not provided. XXXX shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Credit | Active | 3: Curable | \* Type of Ownership is Leasehold Or Cooperative (Lvl 3) | As per final title policy, the subject property is leasehold. The subject leasehold agreement is in the file located at xx, and the leasehold term expires xx/xx/XXXX, and the mortgage matures on xx/xx/XXXX. As per the tape defect leasehold expiration must be noted in the title report. Ground lease recording info to be cited on schedule BII. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan was not repurchased as certain conditions that required to be cleared were not done with the XXX-delivery deadline. xx disagree on the acquisition cost, as the seller refuses to sign until xx is in agreement with the acquisition cost amount. Subject property title ownership is a leasehold; final CD reflects sales price of $xx. Seller affidavit located at xx shows acquisition cost of $XXX,XXX executed by the BWR and property seller. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test.<br> Initial LE dated xx/xx/XXXX does not reflect Appraisal Review Fee. Revised CD dated xx/xx/XXXX reflects Appraisal Review Fee at $XXX.XX. <br> Initial LE dated xx/xx/XXXX does not reflect Rush Fee. Final CD dated xx/xx/XXXX reflects Rush Fee at $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the final CD was signed with the right to cancel, which was not provided early but was issued in person on the closing day. Relevant information was missing from pages X and X of the final CD. PCCD was issued to cure tolerance violations and reflect that all pages contained complete data. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and Recording fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of Section C and Recording fee at $X,XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the condo project is not approved by Fannie Mae. The condo questionnaire does not show any damage, repair, or assessment planned. The file shows the the condo association is involved in active litigation with a judgment amount of $XXK. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender included X deposits of $xxK in xx & xx XXXX in the bank statement income that were not business deposits. Lender defect. Revised DTI in excess of xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is xx that was established xx/xx/XXXX, FICO XXX, and $XXXK equity in the subject property. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $XX,XXX.XX. CD dated xx/xx/XXXX reflects Points—Loan Discount Fee at $XX,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the guarantee coverage is at xx%, which does not meet the minimum requirement of xx%. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject is NOO and approved at xx%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has been SE for XX.XX years at xx. BWRX has X.XX years on the job as a xx, FICO XXX, XXXX last XX months, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation in charges that cannot increase the test due to an increase of fee in the final CD dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX does not reflect a points loan discount fee. The final CD dated xx/xx/XXXX reflects the points—loan discount fee at +$X,XXX.XX. This is a fee increase of +$X,XXX.XX for the X% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL is X year expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The below fees were included in the test:<br> HOA Dues (optional) paid by Borrower: $XXX.XX<br> HOA Transfer Fee paid by Borrower: $XXX.XX<br> NJ - Attorney Fee paid by Borrower: $X,XXX.XX<br> Title - CPL paid by Borrower: $XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows misrepresentation of income and employment. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been xx for X.XX years at xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows misrepresentation of income and tax returns. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been xx as an xx for X.XX years. FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the property is an A-frame home and does not have a traditional roof and ceiling. Further details not provided. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the co-borrower is no longer employed with the employer listed on the application. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX qualified using an offer letter as a xx. BWRX qualified using an offer letter as an xx, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan failed the GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged of $X,XXX.XX exceed the fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX.<br>The loan failed the qualified mortgage lending policy points and fees test due to fees charged of $X,XXX.XX exceed the fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The initial CD dated xx/xx/XXXX reflects points - loan discount fee of $X,XXX.XX. The final CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The TRID total of payment disclosed on the final CD is $XXX,XXX.XX. The calculated total of payments is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and files show the new Collateral Desktop Analysis was ordered, and the value came at $xxK, which is lower than the appraised value. The subject was closed with an appraised value of $xxK. XXXX search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | BWR is an LLC. Note was signed as a member of the LLC only, not in the individual names. Loan does have a personal guarantee. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Lease agreement is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and files show the new Collateral Desktop Analysis was ordered, and the value came at $xxK, which is lower than the appraised value. The subject was closed with an appraised value of $xxK. XXXX search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | BWR is an LLC. Note was signed by a member of the LLC and not an individual. Loan does have a personal guarantee. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Lease agreement is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is not insured due to being one day late on the FHA XX-day flipping rule. Appraisal report shows the date of the prior sale or transfer is xx/xx/XXXX in the amount of $xxK. The subject's appraised value on xx/xx/XXXX was $xxK. No major improvements were made to the property. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | The flood certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows the subject is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape cites a credit deficiency. Further details not provided. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been xx for X.XX years at xx. Additionally, BWR has been xx for X.XX years. BWRX has been SE for X.XX years at xx, FICO XXX, and $XXXK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. The tape shows the lender did not establish the stability of the qualifying income, employment history, and all other obligations. Further details not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X months on the job as a xx. FICO XXX and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | Home equity loan notice of address for borrower notification of violation is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Copies of Documents is missing from the loan file (Lvl 3) | Home equity loan copy of document is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) | Home equity loan interest and fees pre-closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #X, with a sales price of $xxK, is closest to the subject property. XXXX search shows an estimated value of $xxK. Current UPB is xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed loan origination fee test due to fee charged $X,XXX.XX fee threshold by $X,XXX.XX, over by +$X,XXX.XX. <br> The below fees were included in the test:<br> HOA Capital Contribution paid by Borrower: $XXX.XX<br> HOA Transfer Fee paid by Borrower: $XXX.XX<br> Homeowners Association Dues paid by Borrower: $XXX.XX<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Pest Inspection Fee paid by Borrower: $XX.XX<br> Settlement or Closing Fee paid by Borrower: $XXX.XX<br> Tax Service Fee paid by Borrower: $XX.XX<br> Title Courier Fee paid by Borrower: $XX.XX<br> Title E Doc Fee paid by Borrower: $XX.XX<br> Title-CPL Fee paid by Borrower: $XX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows affordable housing requirements not met. Escrows were not set up for this loan. This loan program does not allow escrow waivers. The investor also advised that this cannot be cured post-closing. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. The Lender allowed the loan to close without a sufficient credit history, only one open tradeline and one authorized user account. In addition, the BWR had no primary housing expense. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx. as an RBI for X.X months, FICO XXX, $X,XXX residual income, $XXX reserves and $XX.XK equity in the subject property. XXXX last XX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the condo project's eligibility was not established. The budget figures entered in CPM do not match the project's actual XXXX budget, resulting in incorrect assessment income, exclusionary items, and reserve calculations. The project also does not meet the required XX% reserve standard. In addition, the critical-repair responses provided were insufficient to address CPM requirements. Review of the condo questionnaire does not show any ongoing critical repairs. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows asset misrepresentation, as bank statements were altered. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been xx for X.XX years at xx. FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Appraisal Fee at $XXX.XX. Final CD dated xx/xx/XXXX reflects Appraisal Fee at $XXX.XX. This is an increase fee in the amount of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired.<br>Loan failed charges that cannot increase XX% tolerance test. Initial LE dated xx/xx/XXXX reflects Recording Fee at $XXX.XX. Final CD dated xx/xx/XXXX reflects Recording Fee at $XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase more than XX% test. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired.<br>TRID violation due to decrease in lender credit on initial CD. Initial LE dated xx/xx/XXXX reflects Lender credits at $X,XXX.XX. Initial CD dated xx/xx/XXXX reflects Lender credits at $X,XXX.XX. This is a decrease of $X,XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $XX,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $XX,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows asset misrepresentation, as the bank statements were falsified. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for XX.XX years at xx., FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR has undisclosed installment debt of $XXX. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives social security and retirement income, FICO XXX, XXXX since inception, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the revised closing disclosure delivery date test. The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan closed without appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. A XXXX search shows an estimated value of $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, the borrower income is $xx, and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by LP (Locator #xx), and its recommendation is "Accept" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | The tape shows that funds for the down payment and closing costs were not adequately verified due to an unsourced $X,XXX deposit was excluded from the total verified assets. The borrower's verified assets total $XXX,XXX, which includes $XXX,XXX in gift funds. After excluding the unverified large $X,XXX deposit, the available balance in the depository accounts is $XXX,XXX insufficient to meet the $XXX,XXX cash-to-close requirement, resulting in a $X,XXX shortfall. The subject loan originated on xx/xx/XXXX, and the borrower's FICO score is XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the Loan Origination Fee. CD dated xx/xx/XXXX reflects Loan Origination Fee at $XX,XXX.XX. Loan estimate dated xx/xx/XXXX reflects Survey Fee at $XXX.XX. CD dated xx/xx/XXXX reflects Survey Fee at $XXX.XX. This is a cumulative increase in fee of $XX,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO, as BWR rented subject X days after closing. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation and manufactured home rider attached to the recorded mortgage located at "xx" reflect that the home is affixed permanently to the land with serial no. #xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | The final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to misrepresentation. Further details were not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and file show the subject loan closed without an appraisal, and the PIW disclosure supported by the final AUS is missing from the loan documents. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The tape and file show the subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX receives social security income. BWRX has X.XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR was qualified based on a new employment offer, and post-close verification shows BWR never started the new job. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX income was not used for qualification; BWRX was qualified using an offer letter as a xx, FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO. Tape shows occupancy issue as BWR rented subject X weeks after closing. BWR defect. Subject originated xx/xx/XX and the X-year SOL is active. BWR has XX years xx at xx. FICO XXX. $XXXK equity in subject. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | This loan failed the revised closing disclosure delivery date test. The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date of xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation |  | Active | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation |  | Active | 4: Unacceptable | \* Property type is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows the loan was initially applied for as an investment property but later changed to owner-occupied, and the subject was listed for rent on xx/xx/XXXX, eight days after closing. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows a debt miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx. BWRX has X.XX years on the job xx. FICO XXX, XXXX since inception, and $XXXK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender did not use the correct tax amount on a retained Investment property. Lender defect. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE with xx for XX years, FICO XXX, $X,XXX residual income, $XXK reserves and $XXXK equity in the subject property. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeding the disclosed finance charge of $XXX,XXX.XX by -$X,XXX.XX. <br> The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points - loan discount fee. The CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects credit report fee of $XXX.XX. The CD dated xx/xx/XXXX reflects credit report fee of $XXX.XX. This is a cumulative increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Loan failed charges cannot increase more than XX% in the tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and the recording fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of Section C and the recording fee at $X,XXX.XX. This is a cumulative increase of +$XXX.XX for charges that in total cannot increase more than XX% per test. COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at xx%. Tape shows prior FC lacked seasoning to be eligible for loan sale. BWR had prior FC dated xx/xx/XX. Lender defect. Subject originated xx/xx/XX. BWR has XX years on the job as a xx. $XXK residual income. $XXK reserves. $XXK equity in subject. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Reaching out to seller to verify active MI status. Tape shows the subject loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Lease agreement is missing from the loan documents. Lender approved using XXXX. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject is NOO, and approved at xx%. Tape shows lender used rental income from REO property for qualification. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape and file show the lender did not document proof of liquidation for stock assets of $XXXK used for satisfying the cash-to-close requirement of $XXXK. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on this job as a xx. FICO XXX, XXXX since inception, $XXXK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation |  | Active | 4: Unacceptable | \* Property type is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved as OO at xx%. The tape shows the subject is NOO as BWR rented subject XX days after closing. Causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX.XX years on the job as an xx. FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO as BWR rented subject XX days after closing. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation |  | Active | 4: Unacceptable | \* Number of units in the property is inconsistent with the tape (Lvl 4) |  |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase XX% tolerance test. Initial LE dated xx/xx/XXXX reflects Recording Fee at $XXX.XX. Final CD dated xx/xx/XXXX reflects Recording Fee at $XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X month on the job as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the BWR is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape and file show the gift funds was not properly documented. The bank statement in file shows $xxK of assets excluding the gift amount of $XXXK. Bank statement of donor or VOD is missing from the loan file. The loan does not meet the cash-to-close requirement of $XXXK at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Credit Report Fee at $XXX.XX. Final CD dated xx/xx/XXXX reflects Credit Report Fee at $XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed the revised closing disclosure delivery date test. The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date of xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows lease agreement from departing residence used at closing fell through. Excluding the rental income, the revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been xx for X.XX years at xx, FICO XXX, XXXX since inception, $XXXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 3: Curable | \* Loan program disclosure missing or unexecuted (Lvl 3) | The subject loan is an ARM, and the ARM disclosure is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows employment misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X months on the job as a xx. BWRX has been SE as a xx for X.XX years. FICO XXX, XXXX since inception, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects appraisal re-inspection fee at $XXX.XX. The CD dated xx/xx/XXXX reflects appraisal re-inspection fee of $XXX.XX. This is a cumulative increase in fee of $XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br> The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xxand total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | The transmittal summary is missing from the loan documents. The transmittal provided by the seller is not matching the closing term of the subject loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows servicing deficiency—MI cancellation. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to the borrower in the amount of$XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows GNMA mod re default repurchase. Further details are not provided. The loan was modified on xx/xx/XXXX. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is subject to completion of renovations, and XXXXD confirming the completion of renovation is missing from the loan documents. The final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect points - loan discount fee. The CD dated xx/xx/XXXX reflect points - loan discount fee $XX,XXX.XX. This is an increase in fee of $XX,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$XX,XXX.XX.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $XX,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$XX,XXX.XX.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $XX,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender did not include taxes and insurance on the rental and excluded debts required to be paid off by the AUS. Lender defect. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR receives Pension, SSI and Asset Distribution income, FICO XXX, $X,XXX residual income, $XXXK reserves and $XXX.XK equity in the subject property. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as the final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows TBD details. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial #xx has been affixed to the permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects lender credit at $XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X. This is decrease of +$XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeding the disclosed finance charge of $XXX,XXX.XX by -$XXX.XX.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows new origination from XXXX, never delivered. The loan was included in a FEMA-declared disaster area with reported damage. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. Per the WVOE, BWR X was on leave as of xx/xx/XXXX, evidence of return to work is missing from the file. Lender defect. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X.X years, BWR X is employed with xx as a xx for X.X years, FICO XXX, $X,XXX residual income, $XX.XK reserves and $X,XXX equity in the subject property. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA foreclosure rescission finance charge test due to finance charge disclosed on final TIL as $XX,XXX.XX. Calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$XX,XXX.XX.<br>Loan failed TILA finance charge test. Finance charge disclosed on final TIL as $XX,XXX.XX. Calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$XX,XXX.XX.<br>Loan failed TILA APR test due to APR disclosed on final TIL as X.XXX%. Calculated APR is X.XXX% for an under disclosed APR of - X.XXX%.<br>This loan failed the TILA right of rescission test. The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows GNMA Mod redefault repurchase. According to the payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Loan is VA. VA loan analysis is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan fails loan origination fee test due to fees charged $XXX.XX exceeds fees threshold of $XXX.XX over by +$X.XX. <br>The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> MERS Registration paid by Borrower: $X.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/XXXX. Initial CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of +$XX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by LP Locator xx and its recommendation is Accept with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows income issues. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as an xx. BWRX has X.XX years on the job as a xx. FICO XXX, $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/XXXX reflects Appraisal Re-Inspection Fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and file show the subject loan is HPML, and the appraisal was not delivered X days prior to closing. Loan failed the HPML test by Infinity, loan is escrowed and downgraded to LVLX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject is a condotel. The appraisal report shows the amenities like beach access, pool, and guest parking. The condo questionnaire shows X out of XX units are investor-owned, and FNMA shows xx% of units are owned by investors. Further details not provided. XXXX search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | The lease agreement is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the insurance policy is based on agreed value rather than replacement cost value. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | Subject is a XF in xx FL. Subject last sale was xx/XX for $xxK. BWR acquired the property via QCD in XXXX. Subject cash out loan originated xx/xx/XX in the amount of $xxK. Appraisal was at $xxK and appears overstated. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the note is aged. The investor has everything they need to meet agency guidelines and is waiting for an exception for the age of the note. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed the charges that cannot increase more than XX% in the tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and the recording fee at $XXX.XX. The CD dated xx/xx/XXXX reflects the sum of Section C and the recording fee at $XXX.XX. This is a cumulative increase of +$XXX.XX for charges that in total cannot increase more than XX% per test. A valid COC for the increase in fee is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape shows the loan was unsalable at the time of closing and the work needed on the home has been completed. Appraisal report shows that the old porch has been removed and the installation of the remaining exterior siding is still in process. The estimated cost to cure is not available. XXXXD/completion certificate is missing from the loan document, and the final CD does not reflect the escrow holdback. XXXX search reflects an estimated value of $xxK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br>This loan failed the TILA PCCD coverage conflict validation test. The loan contains multiple disclosures, including a Post Consummation Closing Disclosure, and the data required for determining TILA coverage conflicts between the PCCD and the last disclosure given at or prior to consummation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject purchased in xx/XX for $xxM in cash. BWR subject cash out refinance on xx/xx/XXXX in the amount of $XXX.XX paying off a lien to $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR was not employed prior to closing, as she went on maternity leave before funding without informing the lender. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been SE for XX.XX years at xx. Additionally, BWRX has been SE for X.XX years at xx. BWRX has X month on the job as a xx. FICO XXX and $X.XM equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the borrowers were not employed at closing. BWRs have new jobs and the revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X months on the job as an xx. BWRX has X months on the job as an xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender did not use the average for SE income. Revised DTI xx%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. BWR is SE with xx for X.X years, FICO XXX, $X,XXX residual income and $XX.XK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect MERS Registration Fee. Final CD dated xx/xx/XXXX reflects MERS Registration Fee at $XX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$XXX.XX. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Tax Service Fee paid by Borrower: $XX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$XXX.XX. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Tax Service Fee paid by Borrower: $XX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan should have closed as a cash-out refinance with no interest rate buydown, as the BWR is buying out the ex-spouse, per their divorce decree. Final CD reflects a $xxK payoff to the ex-spouse. Further details not provided. The subject loan closed on xx/xx/XXXX, FICO XXX, XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the loan received a DU refer recommendation and does not qualify for manual underwriting. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows the subject loan is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not qualify for a manual underwrite, as the front debt ratio exceeds XX.XX% and AUS risk recommendation is refer. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | AUS | Active | 4: Unacceptable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 4) | The AUS report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial XXXX is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed FHA QM Safe Harbor loan test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan received a DU refer recommendation and does not qualify for manual underwriting. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is unsaleable, as does not meet TRID/RESPA guidelines for the secondary financing loan. The subordinate lien CD reflects X.XXX% when it should have been at X.XX%. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR does not qualify for the loan program as the BWR has ownership interest in a previous property. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX reflects processing fee at $XXX.XX. CD dated xx/xx/XXXX reflects processing fee at $XXX.XX.<br> Loan estimate dated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. CD dated xx/xx/XXXX reflects transfer taxes fee at $X,XXX.XX.<br> This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows borrower is current. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject condo unit required and had mold remediation completed, and the investor required the entire building to be remediated. File shows the available XXXXD reflects the inspection and removal of mold was completed. Review of the condo questionnaire does not show any special assessment for mold inspection for the condo project. XXXX search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows SSI income calculated as XXX% non-taxable incorrectly; with the correct factor of xx%, the revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as an xx. Additionally, BWR receives social security income, FICO XXX, XXXX since inception, $XXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows BWR was not employed at the time of closing. Further details not provided. BWR defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows ineligible condo. The condo questionnaire does not show any damage or repair work. Redfin search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges cannot increase more than XX% in the tolerance test. The LE dated xx/xx/XXXX reflects the sum of Section C fees and the recording fee at $XXX.XX, and the CD dated xx/xx/XXXX reflects the sum of Section C and the recording fee at +$XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% per test. The COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the SOL is X years. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows X undisclosed installment debts with a total monthly payment of $XXX. Revised DTI is over xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE for XX.XX years at xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA Foreclosure Rescission Finance Charge Test due to the calculated finance charge of $XX,XXX.XX exceeds the disclosed finance charge of $XX,XXX.XX by -$XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the condo questionnaire fee. The CD dated xx/xx/XXXX reflects the condo questionnaire fee at $XXX.XX. The loan estimate dated xx/xx/XXXX reflects a loan origination fee of $X,XXX.XX. The CD dated xx/xx/XXXX reflects a loan origination fee of $X,XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the condo project was not approved by US Bank and incorrect coverage on the master policy. Further details not provided. Condo questionnaire does not show any special assessment or repairs going on in the subject condo project. XXXX search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx. FICO XXX and XXXX since inception, and $XK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX, reflects cash to the borrower in the amount of $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender did not include all rental mortgages, taxes and insurance on all of the BWR properties. Revised DTI cannot be determined. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE with xx for XX.X years, FICO XXX, $XXK reserves (unknown) and $XXX.XK equity in the subject property. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The file is missing a lease agreement for a rental property. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is xx with x for XX years, FICO XXX, $X,XXX residual income, and $XXXK equity in the subject property. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the borrower failed to make XX/XX and X/XX payments to the investor. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Lease agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan is NOO and was approved at xx%. Tape states the final VOE showed BWR was not working at closing. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has XX.XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #X, with a sales price of $xxK, is closest to the subject property. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. Review shows subject barndominium value appears supported. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows two large deposits were not sourced. Review of file shows a large source of funds totaling $X,XXX is from a relative for the purchase of a spa. Bank statement in file shows $XXK of available assets, satisfying the cash-to-close requirement of $xxK at closing. Further details not provided. The file supports the source of funds for the large deposits. FICO XXX, and $XXK equity in the subject. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR income declined after closing. Review shows ATR confirmed at time of closing. Subject originated xx/xx/XX. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject was approved as NOO. Tape shows the business purpose loan included the payoff of over $xxK in personal debt, rendering it ineligible with the investor. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $XX,XXX.XX. The CD dated xx/xx/XXXX reflects points—loan discount fee at $XX,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows Early Payment Default Repurchase; the loan has since been brought current. According to the payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and file show the subject property undergoing repairs and improvements. The wall radiant heating does not meet the code, and the garage door that was installed with poor workmanship has not been replaced, as it would allow moisture and pest intrusion. Updated XXXXD completion report is missing from the loan documents. Final CD does not reflect any escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the Lock extension fee [Custom Fee]. CD dated xx/xx/XXXX reflects a Lock extension fee [Custom Fee] at $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects an Appraisal Re-Inspection Fee of $XX.XX. The CD dated xx/xx/XXXX reflects an Appraisal Re-Inspection Fee of $XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case that originated on xx/xx/XXXX, and the SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the loan failed the state points and fees test by $XXX.XX, and a refund was sent to the borrower. Further details not provided. The Infinity compliance test result shows the loan passed SC HCCHLA high-cost home loan points and fees threshold test after applying the refund credit. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at XX.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. The subject is a second lien. The first lien is escrowed.<br>The loan failed the qualified mortgage safe harbor threshold test due to the calculated APR of X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect rate lock fee. The final CD dated xx/xx/XXXX reflects rate lock fee at $XX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows borrower had insufficient credit. X of X credit lines were authorized user accounts. The Xst payment was due xx/xx/XXXX, and he did not make that payment along with the xx/xx/XXXX and xx/xx/XXXX payments until X/XX/XX. All mortgage payments have been paid on time since then. Further details were not provided. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | LTV | Active | 3: Curable | \* LTV or CLTV exceeds 104% (Lvl 3) | Collateral value used for underwriting: $xx. Amount of secondary lien(s): $xx. Loan amount: $xx. LTV / CLTV = xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the Points - Loan Discount Fee. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX. The loan estimate dated xx/xx/XXXX does not reflect the Appraisal Re-Inspection Fee. CD dated xx/xx/XXXXX reflects Appraisal Re-Inspection Fee at $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender miscalculated hourly income and allowed the loan to close without sufficient established credit. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X.X years, FICO XXX, $X,XXX residual income. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$XXX.XX. The below fees were included in the test: Loan Origination Fee paid by borrower: $X,XXX.XX Points—Loan Discount Fee paid by Borrower: $XXX.XX Processing Fee paid by Borrower: $X,XXX.XX Underwriting Fee paid by Borrower: $XXX.XX<br>The loan fails the qualified mortgage lending policy points and fees test due to Fees charged $X,XXX.XX exceed the fees threshold of $X,XXX.XX by +$XXX.XX. The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $XXX.XX<br> Processing Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | The original note, along with the lost note affidavit, is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 4: Unacceptable | \* Higher Price Mortgage Loan (Lvl 4) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)) due to an APR calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. The tape and file show the subject loan did not escrow homeowner insurance, which is required for HPML loans. The subject loan originated on xx/xx/XXXX, and the X-year affirmative defense period is open. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows EPD. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points - loan discount fee. CD dated xx/xx/XXXX reflects points - loan discount fee at $XXX.XX.<br> Loan estimate dated xx/xx/XXXX reflects credit report fee at $XXX.XX. CD dated xx/xx/XXXX reflects credit report fee at $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the original DU and LP findings cannot be retrieved, as the borrower's credit has expired. The initial AUS decisions are unavailable. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the points—loan discount fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX. The fees below were included in the test: Mortgage Broker Fee (Indirect): $X,XXX.XX Points—Loan Discount Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX. The below fees were included in the test: Mortgage Broker Fee (Indirect): $X,XXX.XX Points—Loan Discount Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X months on the job as a xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | As per the document, the settlement date is xx/xx/XXXX, and the note date is xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows no defect, and the subject is a part of the lower coupon loan sale. Further details not provided. The subject originated on xx/xx/XXXX, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | The lease agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows disclosure changing loan terms was provided without X days notice. Loan was qualified with IO payments. Infinity CE failed the qualified mortgage interest-only test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan failed the revised closing disclosure delivery date test (waiting period required) due to the revised closing disclosure receipt date is less than three business days before the consummation date xx/xx/XXXX.<br>This loan failed the qualified mortgage interest only test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape and seller confirmed the MI coverage is rescinded on the loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at xx%. Tape shows MI was rescinded due to income miscalculation. Further details not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as an xx, FICO XXX, and $XXK equity in the subject.<br> xx/xx/XXXX: SOL expired, we will downgrade exception to LVLX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU (Locator# xx) and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows unallowable condo project. Appraisal and condo questionnaire did not reflect any repairs or safety issues. Further details not provided. XXXX search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XX.XX. This is an increase in fee of $XX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Your home loan toolkit/acknowledgment/disclosure tracking is missing in the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan has no defect and is part of a lower coupon sale. Further details not provided. The subject loan originated on xx/xx/XXXX, and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | File shows the subject closed with single-premium MI paid by the lender. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and loan file show that the loan does not qualify for a rate and term refinance. As per LOX, the second mortgage payoff to be linked to the original home purchase.<br> This loan includes a second mortgage from XXXX, long after the original loan in XXXX. So, the second mortgage is not related to the original purchase. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows no defect, and the subject does not have coupon for delivery. Further details not provided. The subject originated on xx/xx/XXXX, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. The photo addendum shows the property needs repairs for the peeling ceiling. The estimated cost of repairs is $XXX.XX. XXXXD is missing from the loan document, and the final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and appraisal show the subject has a lot of cosmetic issues. The current owners poured epoxy over some floors and fixtures. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at xx%. Tape shows rental income miscalculation. Further details not provided. Lender defect. The revised DTI is xx%. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx. Additionally, BWR has been xx for X.XX years at xx for X.XX years, FICO XXX, XXXX since inception, $XXXK equity in the subject, and a residual income of $X,XXX. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect points—loan discount fee. CD dated xx/xx/XXXX reflects Points—Loan Discount Fee at $XXX.X. This is an increase in fee of +$XXX.X for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows the subject loan has no defect and was closed without an appraisal report, and the PIW disclosure is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | The lease agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX. This is an increase fee in the amount of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject did not meet the VA XXX-day seasoning period. The subject loan closed on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows the MI was rescinded.<br> xx/xx/XXXX: Seller responded that MI was rescinded on this file and that is the known defect of the loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows misrepresentation of income. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been xx for X.XX years at xx. FICO XXX and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $xx and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The loan is ineligible due to the homeowner's insurance (HOI) deductible exceeds the agency's maximum allowable limit. As a result, the insurance coverage does not meet agency guidelines, and the loan fails eligibility requirements |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (Locator #xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed Loan Origination Fee Test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in this test:<br> Title - Final Title Report paid by Borrower: $XXX.XX<br> Transaction Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan cannot be guaranteed by VA, as the BWR has $X base entitlement, which cannot be restored due to retention of the existing VA property, and the loan amount does not exceed the $xx threshold required to utilize bonus entitlement. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. The tape shows the lender used one year's tax return instead of two years. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been xx for X.XX years at xx. BWRX has X.XX years on the job as xx with xx. Additionally, the BWRX has been SE for X.XX years at xx. FICO XXX and XXXX since inception and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows income miscalculation, as the lender did not document receipt of XXXk distribution income. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives XXXk distribution and social security income, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Credit | Active | 3: Curable | \* Private Mortgage Insurance is not active (Lvl 3) | Tape shows the subject loan has no defect and originated as a jumbo loan requiring no MI. Tape and file show the subject closed with single-premium MI purchased post-closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X.XX years at xx, FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and $XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX.<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx, and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU (Locator #xx) and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the flood certification notice was not signed at least XX days prior to the document. File shows the certificate was signed on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Appraisal in the loan file is as-is. Tape and a supplemental addendum show deferred maintenance as worn flooring, walls, and lack of overall upkeep due to the property remaining vacant for some time. Estimated cost to cure is $XXK. XXXXD or an XXXX inspection report verifying the completion of repair and structural integrity is missing from the loan file. Final CD does not reflect the escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | Tape shows the subject condo project budget lacking required reserves. Appraisal report is as is. Condo questionnaire shows a total reserves deficit of $XXK, and the association has planned a special assessment of $xxM. Further details not provided. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase fee in the amount of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX reflects Appraisal Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Appraisal Fee at $X,XXX.XX.<br> Loan estimate dated xx/xx/XXXX does not reflect Appraisal Review Fee. Final CD dated xx/xx/XXXX reflects Appraisal Review Fee at $XXX.XX.<br> This is a cumulative increase in fee of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Loan failed charges that in total cannot increase more than XX% tolerance test. Initial LE dated xx/xx/XXXX reflects the sum of Section C fees and Recording fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects the sum of Section C and Recording fee at $X,XXX.XX. This is a cumulative increase of +$XXX.XX for charges that in total cannot increase more than XX% test. Valid COC for the increase in fee is missing from the loan documents. <br> Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan has no defect and is part of a lower coupon sale. Further details not provided. The subject loan originated on xx/xx/XXXX, and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at xx%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is expired. BWR has XX years on the job as a xx, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan closed without appraisal. PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value of $XXXK. The current UPB is$xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at xx%. Tape shows lender used cannabis income to quality BWR. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as a xx. BWRX has X.XX years on the job as a xx, FICO XXX, and XXXX in the last XX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value at $xxM. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. The Lender miscalculated bonus income. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with Discover as a xx for XX.XX years, FICO XXX, $X,XXX residual income, $XXX.XK reserves and $XX.XK equity in the subject property and XxXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | The TRID tolerance test is incomplete due to Initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows terms of withdrawal for retirement funds not provided. File shows $xxK in retirement assets used towards closing, and withdrawal terms were not documented. Total available assets are $xxK, including retirement funds, and the cash-to-close requirement is $xxXK. The subject loan originated on xx/xx/XXXX, XXXX since inception, and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | In VA refinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows no flaw lower coupon loan sale. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | The lease agreement is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows no defect, and the subject is a part of the lower coupon loan sale. Further details not provided. The subject originated on xx/xx/XXXX, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed qualified mortgage APR threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX. AUS is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and the infinity compliance report show the loan failed for the APOR/APR test. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows the subject loan has no defect and was closed without an appraisal report, and the PIW disclosure is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows income miscalculation. Revised DTI xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X years on the job as the xx. BWRX receives social security income, FICO XXX, XXXX since inception, $XXXK equity, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows using the lower appraised value of $xxK, the LTV increases from xx% to xx%, which exceeds the max LTV of xx%. XXXX and AUS show an appraised value of $xxK. XXXX search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the late fee on the CD is X% and should be X%, as the subject loan was originated as an OHFA loan with subordinate finance of $X,XXX.XX. Further details not provided. Subject loan originated on xx/xx/XXXX, FICO XXX and XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the tax fee. CD dated xx/xx/XXXX reflects tax fee of $XX.XX. The loan estimate dated xx/xx/XXXX does not reflect the Income Verification Fee. The CD dated xx/xx/XXXX reflects Income Verification Fee to lender at $XXX.XX. The loan estimate dated xx/xx/XXXX reflects appraisal fee of $XXX.XX. The CD dated xx/xx/XXXX reflects appraisal fee of $XXX.XX. The loan estimate dated xx/xx/XXXX reflects credit report fee at $XX.XX. CD dated xx/xx/XXXX reflects credit report fee at $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X.XX. This is decrease of +$X,XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan has no defect, and the loan is aged out. Further details not provided. Subject originated xx/xx/XXXX, FICO XXX, and XXXX in the last XX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the borrower did not meet credit eligibility requirements. Further details are not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for XX.XX years at xx, FICO XXX, and XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects lender credit at $XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X.XX. This is decrease of +$XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. <br>Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject did not meet the VA XXX-day seasoning period. Subject closed on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* MI, FHA or MIC missing and required (Lvl 4) | Seller confirmed the subject loan is not insurable by the VA. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the rate lock fee. The CD dated xx/xx/XXXX reflects rate lock fee of $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects appraisal re-inspection fee at $XXX.XX. The CD dated xx/xx/XXXX reflects appraisal re-inspection fee of $XXX.XX. The loan estimate dated xx/xx/XXXX reflects credit report fee at $XX.XX. The CD dated xx/xx/XXXX reflects credit report fee of $XXX.XX. The loan estimate dated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. The CD dated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan exceeded the FNMA delivery time of X months. Further details not provided. The loan originated on xx/xx/XXXX, and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation and manufactured home rider attached to the recorded mortgage located at "xx" reflect that the home is affixed permanently to the land with serial no. #xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income miscalculation. Further details not provided. Revised DTI is xx%. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a xx, FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and residual income of $X,XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows down payment and closing costs were not satisfactorily verified. Bank statements in the file show assets in the amount of $XX,XXX.XX; gift assets verified of $X,XXX supported by a gift letter satisfy the cash-to-close requirement of $X,XXX.XX. The subject originated on xx/xx/XXXX, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the points—loan discount fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows that the VA seasoning requirement does not meet GNMA guidelines. The prior mortgage was originated on xx/xx/XXXX, with a first payment date of xx/xx/XXXX, and the subject loan was originated on xx/xx/XXXX. The subject loan was originated within XXX days of the prior mortgage, it does not satisfy the GNMA requirement of XXX days. No further details are provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, and any other interest rate-dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx/xx/XXXX. The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | In VA refinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | The tape shows the subject loan is not FHA insured.<br> xx/xx/XXXX: Seller responded that this loan is not insured and that is the known defect of the loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt with a monthly payment of $XXX. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as a xx. BWRX has X.X years on the job as a xx, FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU (Locator# xx) and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit in initial closing disclosure dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. Initial CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of $XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. <br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved as NOO at xx%. The tape shows the lender did not obtain the SE income documentation. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as an xx. Additionally, BWR has been SE for X.XX years at xx. FICO XXX, XXXX last XX months, $XXK equity in the subject, $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Lease agreement is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Kansas license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the investor did not allow HFA programs, as the subject loan closed with the HFA DPA. Further details not provided. The subject originated on xx/xx/XXXX, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged of $XX,XXX.XX exceeds the fees threshold of $XX,XXX.XX by $X,XXX.XX. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)) due to an APR calculated at X.XXX%, which exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c), and (d). The loan failed the MA XXX CMR XX.XX Higher-Priced Mortgage Loan Test due to the APR calculated at X.XXX%, which exceeds the disclosed APR of X.XXX% by +X.XXX%.<br> The loan failed the Qualified Mortgage Safe Harbor Threshold due to the APR calculated at X.XXX%, which exceeds the disclosed APR of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and appraisal report shows property condition is CX and is subject to multiple interior and exterior repairs. The estimated cost to cure is $XK. XXXXD is missing from the loan file. The final CD does not reflect escrow holdback. Tape shows repairs were made and appraisal was not updated. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the appraisal re-inspection fee. The CD dated xx/xx/XXXX reflects an appraisal re-inspection fee of $XXX.XX. The loan estimate dated xx/xx/XXXX reflects the Points - Loan Discount Fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects Points—Loan Discount Fee at $XX,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $XX,XXX.XX exceeding the fee threshold of $XX,XXX.XX by +$X,XXX.XX. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the lender is not able to sell Freddie Mac loans to their normal aggregator due to the aggregator working on solving issues with Freddie Mac. Further details not provided. The subject loan originated on xx/xx/XXXX, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to the borrower in the amount of $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | The tape shows the subject loan is not FHA insured.<br> xx/xx/XXXX: Seller responded that this loan is not insured and that is the known defect of the loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects a lender credit of $XXX.XX, and the final CD dated Xxx/xx/XXXX reflects a lender credit of $X.XX. This is a decrease of +$XXX.XX for the fee in the final CD, which has a X% tolerance test. The subject loan is refinance case originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Closing_Disclosure violations (Lvl 3) | The available final CD in the file is incomplete, as the section A and total of payments part is cut. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan was not repurchased, as the seller was unable to sell due to the FHA case number being pulled too early. Further details not provided. The subject originated on xx/xx/XXXX, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. The Lender used the full lease amount for the departing residence and miscalculated taxes on rental properties. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR's both receive Pension & SSI, FICO XXX, $X,XXX residual income, $XXX.XK reserves and $XXK equity in the subject property. XXXX last XX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects a point loan discount fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects a point-loan discount fee at $X,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. COC for the increase in fee is missing from the loan documents. <br> The subject loan is a refinance case that originated on xx/xx/XXXX, and the SOL of X years is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | Initial LE is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as initial LE is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by BRW is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does reflect points - loan discount fee at $X,XXX.XX and lock extension Fee at $X.XX. CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX and lock extension fee at $X,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Loan failed charges than in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and recording fee at $XXX.XX. CD dated xx/xx/XXXX reflects the sum of Section C and recording fee at $XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan was too aged. Further details not provided. Subject loan originated on xx/xx/XXXX, and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is as-is. Tape and the property contract disclosure show moisture and water dampness in the basement. XXXXD/An inspection report by a qualified professional is missing from the loan documents. The estimated cost to cure is not available in the loan file. The final CD does not reflect the escrow holdback. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Mortgage Insurance Premium paid by Borrower: $X.XX<br> Mortgage Insurance Premium $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Technology Fee paid by Borrower: $XX.XX.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Mortgage Insurance Premium paid by Borrower: $X.XX<br> Mortgage Insurance Premium $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Technology Fee paid by Borrower: $XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no evidence that the parcel located across the street is non-buildable. The appraisal report shows that each individual lot is not large enough for any improvements to be built. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the lender did not obtain a third-party verification of employment or CPA letter to support borrower's self-employment. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX is xx and has been xx for X.XX years. BWRX is self-employed and has been running multiple businesses for X.XX years, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape and seller confirmed the MI coverage is rescinded on the loan.<br> xx/xx/XXXX: Seller responded that this loan is not insured and that is the known defect of the loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the appraisal fee at $XXX.XX. The CD dated xx/xx/XXXX reflects appraisal fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows per FHA Connection, the maximum allowable base loan amount excluding the financed upfront mortgage insurance premium is $xx; the subject loan closed at $xx, exceeding the limit by $X,XXX.XX. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated at X.XXX% Exceeds APR threshold of X.XXX% by - X.XXX%. The subject loan is escrowed.<br>The loan fails the qualified mortgage lending policy points and fees test due to fees charged, $XX,XXX.XX, exceeding the fees threshold of $XX,XXX.XX by +$X,XXX.XX. The below fees were included in the test: Mortgage Broker Fee (Indirect): $XX,XXX.XX Points—Loan Discount Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $XX,XXX.XX exceeding the fees threshold of $XX,XXX.XX by +$X,XXX.XX. The below fees were included in the test: Mortgage Broker Fee (Indirect): $XX,XXX.XX Points—Loan Discount Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Rebuttable Presumption - defined by loan findings (Lvl 2) | The loan fails the FHA QM Rebuttable Presumption Test because the fees charged, $XX,XXX.XX, exceed the fee threshold of $XX,XXX.XX by $X,XXX.XX. The below fees were included in the test: Mortgage Broker Fee (Indirect): $XX,XXX.XX Points—Loan Discount Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is uninsurable. The case number expired on xx/xx/XXXX, and the loan closed on XX/X. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | The initial XXXX signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the Points - Loan Discount Fee. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is available; COC is not getting tested due to the loan failing the TRID delivery and timing test. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape and seller confirmed the MI coverage is rescinded on the loan.<br> xx/xx/XXXX: Seller responded that this loan is not insured and that is the known defect of the loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows the subject loan has no defect and was closed without an appraisal report, and the PIW disclosure is missing from the loan documents. XXXX search shows an estimated amount at $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the manufactured home is at xx% LTV, which exceeds GSE eligibility limits and renders the loan ineligible for sale to the GSEs, and the AUS findings are not valid as the property type was not identified as a manufactured home. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | The flood certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider attached to the recorded mortgage located at "xx" states that the manufactured home with the VIN/Serial # (xx) has been affixed to the land. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been an xx for X.XX years at xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed QM Safe Harbor The test threshold test is due to the APR calculated X.XXX%. Exceeds APR threshold of X.XXX% by +X.XXX%. The loan failed the Qualified Mortgage APR Threshold Test due to the APR being calculated at X.XXX%. Exceeds APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects Points—Loan Discount Fee at $XX,XXX.XX. The CD dated xx/xx/XXXX reflects Points—Loan Discount Fee at $XX,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows HPML loan without an escrow account. Further details are not provided. Infinity CE report shows loan did not fail HPML test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and certificate of eligibility show guarantee cannot be obtained on VA loan, as the BWR does not have any entitlement available. Total entitlement charged on the previous VA loan is $xxK. Further details not provided. Subject loan originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | VA loan is not insured per the tape. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan failed the loan origination fee test due to the fees charged $X,XXX.XX exceed fees threshold of $XXX.XX over by +$XXX.XX.<br> The following fees were included in the test:<br> Real Estate Commission paid by Borrower: $XXX.XX<br> Settlement or Closing Fee paid by Borrower: $XXX.XX<br> Title Document Preparation Fee paid by Borrower: $XX.XX<br> Water Allotment Payment paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject is a condotel. The subject unit is located at the xx Condominium project, located in the city of XXXX. The project has amenities such as a restaurant, spa, pools. XXXX search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows miscalculation of income. The revised DTI is xx%. Further details not provided. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been SE for X.XX years at In xx. Additionally, BWRX has been SE for X.XX years at xx. BWRX has X months on the job as a xx. Additionally, BWRX has been SE for X.XX years with In xx and for X.XX years at XXXX. FICO XXX, XXXX since inception, $XXK equity in the subject, and $X,XXX residual income. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. The Lender miscalculated bonus income. Revised DTI xx%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X.X years, FICO XXX, $XXXX residual income, $XX.XK reserves and $XXX.XK equity in the subject property. XxXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as xx/xx/XXXX. Notary's signature date on the mortgage/deed of trust is xx/xx/XXXX. Note date is xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender allowed the loan to close with the BWR being SE and relocating from xx to xx. Revised DTI cannot be determined. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE with xx. which was established xx/xx/XXXX, FICO XXX, $XX.XK reserves and $XXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR is not a US citizen and falls under the DACA rule. The BWR's work authorization permit card is available in the loan file. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Kansas license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The initial closing disclosure receipt date of xx/xx/XXXX is less than three business days before the consummation date of xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape and seller confirmed the MI coverage is rescinded on the loan.<br> xx/xx/XXXX: Seller responded that this loan is not insured and that is the known defect of the loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the loan amount was changed from $xx to $xx after the loan was cleared to close, and correcting the documents with the accurate information extended beyond the agency delivery deadlines. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects lender credit at $XX,XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$X,XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR's capacity to repay the subject mortgage was not established. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a xx, FICO XXX, XXXX in the last XX months, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The loan fails the qualified mortgage lending policy points and fees test due to fees charged, $X,XXX.XX, exceed the fees threshold of $X,XXX.XX by +$XX.XX.<br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | The loan fails the GSE QM points and fees test due to fees charged, $X,XXX.XX, exceed the fees threshold of $X,XXX.XX by +$XX.XX. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $X,XXX.XX Points - Loan Discount Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. Loan estimate dated xx/xx/XXXX reflects Appraisal Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Appraisal Fee at $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br> TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. Initial CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of +$XX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. <br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape reflects an increased DTI of xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR receives pension income, FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation in charges that cannot increase the test due to the increase of the fee in the final CD dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. The final CD dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. This is a fee increase of $XXX.XX for the X% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | The tape shows unacceptable appraisal, and the value is $xxK. Comp #X, with a sales price of $xxK, is closest to the subject property. XXXX search shows an estimated value of $xxK. Redfin shows value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, any other interest rate-dependent charges, and terms were not provided to the borrower within three business days. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx/xx/XXXX. The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Title agent closed file over title exception. Investor would not purchase. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject did not meet the VA XXX-day seasoning period. The subject loan closed on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject loan closed with the LO (Mortgage Broker) was not licensed to do business with the originating company, and the DOT was recorded with incorrect NMLS. NMLS website search for the LO shows that his license has been inactive since xx/xx/XXXX and the subject loan closed on xx/xx/XXXX. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Lender excluded an REO mortgage that the BWR was obligated on. Revised DTI xx%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is SE with xx for X.X years, BWR X receives SSI, FICO XXX, $X,XXX residual income, $XXXK equity in the subject property. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Doc Issue | Active | 3: Curable | \* Condo / PUD rider Missing (Lvl 3) | PUD rider is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Compliance failing for state regulations PA license validation test. In the state of PA, the lender is licensed under state ID XXXX as per the NMLS website.<br>The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the investor will not accept the appraisal report reflecting a CX condition rating for the subject property. The subject loan closed with PIW, and the secondary appraisal report available in the file shows the subject property condition rating as CX, reflecting no damage or repairs required. XXXX search shows an estimated value of $XXXK. Current UPB $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the points - loan discount fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.X. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the occupancy could not be determined. Review is treating as NOO and a BWR defect. Subject originated xx/xx/XX and the X year SOL is active. BWR has X.X years as a xx. FICO XXX. $XK equity in subject. XXXX last XX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows owner occupancy of the subject could not be determined. Treating as NOO. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. The photo addendum of the appraisal report shows peeling paint on the exterior workshop siding. The estimated cost to cure is not available in the loan file. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as initial CD is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. The Lender did not include tax & insurance on other properties. Revised DTI is xx %. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for XX.X years and receives Pension, BWR X receives xx, FICO XXX, $XX,XXX residual income, and $XXXK equity in the subject property. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and file show LE was not provided within X business days from the application date. Infinity did not perform regulatory compliance test as the subject is NOO. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation |  | Active | 3: Curable | \* Property type is inconsistent with the tape (Lvl 3) | Property type is inconsistent with the tape. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender excluded a new HELOC payment on the primary residence and did not obtain evidence of a new loan being co-signed for their daughter. Revised DTI cannot be determined. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR receives SSI and asset depletion income, BWRX receives SSI, FICO XXX and $XXXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The below fees were included in the test:<br> Administration Fee paid by Borrower: $XX.XX<br> Reconveyance Fee paid by Borrower: $XX.XX<br> Title - Closing Protection Letter paid by Borrower: $XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR does not have sufficient income to support the total monthly obligations. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X year on the job as a xx, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx, and total expenses are in the amount of $XXX.XX, and the loan was underwritten by LP (xx), and its recommendation is "Accept" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Rebuttable Presumption - defined by loan findings (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is not insurable as the subject loan is getting refinanced within XX months and the lender did not use the prior sales price of $xxK for LTV calculation and used appraised value of $xxK from a recent appraisal report at closing. The LTV increases from xx% to xx% using the prior sales price. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan failed the FHA QM safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% under by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | In VA IRRRL streamline refinance loans, there should be a waiting period, or gap, of XXX days between the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. On this loan, the waiting period is not satisfied. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Pennsylvania license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* MI, FHA or MIC missing and required (Lvl 4) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Other Disclosures | Active | 4: Unacceptable | \* VA Disclosures (Lvl 4) | Tape shows subject is not VA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan as uninsurable, and it was closed under case number xx, and the newly assigned case number is xx. The OJ codes are not in the same locations between the two case records, resulting in an insuring error. The file shows the loan was closed under case number xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report in the file is as-is. Tape shows the subject condo project does not meet temporary condo project eligibility requirements. The condo questionnaire shows special assessments of $X.XM planned for decks and siding repairs. The final inspection report verifying the completion of repairs is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | In VA refinance loans, there should be a waiting period, or gap, of XXX days between the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. On this loan, the waiting period is not satisfied. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows the lender did not establish stability of BWR's alimony income, and funds for down payment and closing costs were not satisfactorily verified. Bank statements in the file show $XXK satisfies the cash-to-close requirement of $XXK. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a xx. Additionally, BWR receives the alimony income, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $XXX.XX and the loan was underwritten by DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Reaching out to seller to verify the active MI status. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by LP Locator xx and its recommendation is Accept with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the lender did not establish stability of the qualifying income and employment history. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has been SE for X.X years at xx. BWRX receives pension and social security income. FICO XXX, $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and file show the condo project is ineligible. The structural assessment report does not confirm the project's structural safety and soundness, and special assessments are planned for stucco cracking and delamination, structural concrete cracks, concrete beam repair, wall cracks, railing grout pocket cracks, and damaged metal-glazing sealant. The inspection report by a licensed professional verifying the completion of work is missing. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape shows the subject condo project is ineligible due to critical repairs that are still incomplete. The subject loan closed without appraisal (PIW), and the condo questionnaire does not show repairs, damage, or special assessment. The HOA reserve study shows the need for critical repairs or damage. The estimated amount of cost to cure is not available. An engineer inspection report by a licensed professional verifying the completion of repairs and structural integrity is missing from the loan documents. XXXX search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The TRID violation is due to a decrease in lender credit on the closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects lender credit at $XX.XX; the final CD dated xx/xx/XXXX reflects lender credit at $X.XX. This is a decrease of $XX.XX for a fee that has a X% tolerance test. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet the GNMA seasoning requirement. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by LP (Locator# xx) and its recommendation is accept with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject loan closed with xx% LTV that does not meet Freddie Mac's requirement of a full condo project review. Appraisal report is as is, and the condo questionnaire does not show any damage. Further details not provided. XXXX and other site searches do not reflect the subject property. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and file show the rate was relocked on XX/XX, and the final APR of X.XXX% exceeds the applicable threshold of X.XX%. Further details not provided. Subject originated on xx/xx/XXXX. Infinity tested CE with correct details and result is elevated. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d). The loan failed CA AB XXX higher-priced mortgage loan threshold test due to the APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The loan failed the qualified mortgage safe harbor threshold test due to the calculated APR of X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | The tape shows the BWR did not meet the minimum closing funds requirement. Bank statements in the file show assets in the amount of $X,XXX, and as per the AUS cash-to-close requirement of $XXX.XX, it is satisfied. The final CD reflects BWR received funds in the amount of $X,XXX.XX due to a subordinate lien that was applied to close the loan. Subject originated on xx/xx/XXXX. FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet seasoning period of X years for prior foreclosure history. Credit report does not reflect any prior foreclosure history. The subject loan originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | Subject approved as a second home. Tape and file show BWR lives and works in XXXX. Subject is in XXXX and is listed for rent. Subject is an NOO. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated, X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. This loan failed the qualified mortgage interest-only test due to this loan is an interest-only loan. The loan failed the qualified mortgage APR threshold test due to the APR calculated at X.XXX%, which exceeds the APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 3: Curable | \* Balloon Rider Missing (Lvl 3) | The balloon rider is missing from the loan file. CD and amortization schedule shows BWR will make balloon payment at maturity. Maturity date is xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows pending condo approval with agency. The appraisal report is as is, and the condo questionnaire does not show any damage or repair work. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR is in the process of obtaining an H-X visa and is currently working under a J-X student working visa. The file shows BWR is not a US citizen, and visa or citizenship documents are missing in the loan file. Further details not provided. Subject originated on xx/xx/XXXX. FICO XXX, XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation |  | Active | 3: Curable | \* Property type is inconsistent with the tape (Lvl 3) | Property type is inconsistent with the tape. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed prohibited fees test.<br> The below fee was included in the test:<br> Attorney's Fee (Closing Agent Only) paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Other Disclosures | Active | 4: Unacceptable | \* VA Disclosures (Lvl 4) | The tape shows that the subject VA loan is uninsurable. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA Foreclosure Rescission finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XX.XX. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL is active.<br>This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan lost the appraisal waiver after closing, and no appraisal was obtained. Further details not provided. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | Home is affixed. As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial # xx and xx has been affixed to the permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows AUS was run as a single-family home, and the subject property is a manufactured single-wide, causing the loan to lose Approve/Eligible findings due to the incorrect property type input. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | The tape and appraisal report show that the comps selected are not similar and the value is $XXXK Comp #X, with a sales price of $XXXK, is closest to the subject property. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is subject to installing handrail on the front entry and deck stairs. The estimated cost to cure is not available in the loan file. Available XXXXD does not confirm the completion of work. An updated XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation |  | Active | 3: Curable | \* Property type is inconsistent with the tape (Lvl 3) | Property type is inconsistent with the tape. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | The initial XXXX signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Other Disclosures | Active | 4: Unacceptable | \* VA Disclosures (Lvl 4) | Tape shows the subject loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan fails compliance delivery and timing test for CD dated xx/xx/XXXX. The document tracker is missing, and X business days were added to get the receipt date of xx/xx/XXXX, which is before the consummation date of xx/xx/XXXX. Subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject is uninsured by the VA as the BWR does not have any entitlement for the subject loan. The certificate of eligibility available in the file shows BWR does not have any entitlement left for the subject loan, as the total entitlement charged to the previous VA loans is $XXXK. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject is an ARM loan, and the lookback period on the note is not eligible for re-pool. The note document shows the service lookback period is for XX days. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XX,XXX.XX.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XX,XXX.XX.<br>Loan failed TILA APR test due to APR calculated at X.XXX% and calculated APR threshold is X.XXX%. APR calculated is under disclosed by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan fails the loan origination fee test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$XX.XX.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Assignment Endorsement Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA Finance Charge test due to calculated finance charge $XX,XXX.XX exceeds disclosed finance charge of $XXX,XXX.XX under disclosed by -$XX,XXX.XX.<br>Loan failed TILA APR test due to calculated APR X.XXX% exceeds APR threshold of X.XXX% under disclosed by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test. On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan has a single-premium MI plan, and the full amount for MI is charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed Loan Origination Fee Test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in this test:<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Additional loan discount OPC paid by Borrower: $X,XXX.XX<br> Assignment Endorsement Fee paid by Borrower: $XXX.XX<br> State of TX Policy Guaranty Fee paid by Borrower: $X.XX<br> Tax Certificate Fee paid by Borrower: $XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete, as the initial LE and CD are missing from loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | Initial loan estimate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* MI, FHA or MIC missing and required (Lvl 4) | Tape and file show the mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* AUS is missing (Lvl 4) | AUS report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan has a single-premium MI plan, and the full amount for MI is charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TILA finance charge test. Finance charge disclosed on Final TIL as $XX,XXX.XX. Calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$X,XXX.XX. Loan failed the TILA foreclosure rescission finance charge test. Finance charge disclosed on Final TIL as $XX,XXX.XX. Calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. The appraisal report is missing. The seller's tape data shows that the subject property type is a single-family residence. As per the updated title report dated xx/xx/XXXX located at xx, the subject property is a manufactured home. The affidavit of affixation document available at xx reflects the home is permanently affixed to the land. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TILA finance charge test. Finance charge disclosed on Final TIL as $XX,XXX.XX. Calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$XXX.XX. <br>Loan failed the TILA foreclosure rescission finance charge test. Finance charge disclosed on Final TIL as $XX,XXX.XX. Calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject is an ARM loan, and the lookback period on the note is not eligible for re-pool. The note document shows the service lookback period is for XX days. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the loan origination fee test. In addition to certain itemized fees and charges designated by VA guidelines, the lender may charge the veteran a flat charge not to<br> exceed X%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed Loan Origination Fee Test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in this test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> Additional Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Assignment Endorsement Fee paid by Borrower: $XXX.XX<br> State of Texas Guaranty Fee paid by Borrower: $X.XX<br> Tax Certificate Fee paid by Borrower: $XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test. On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan has a single-premium MI plan, and the full amount for MI is charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA Finance Charge test due to calculated finance charge $XX,XXX.XX exceeds disclosed finance charge of $XX,XXX.XX under disclosed by -$XX,XXX.XX.<br>Loan failed TILA APR test due to calculated APR X.XXX% exceeds APR threshold of X.XXX% under disclosed by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test. On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed Loan Origination Fee Test due to fees charged $XXX.XX exceed fees threshold of $XXX.XX over by +$XXX.XX.<br> The below fees were included in this test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> Settlement / Closing / Escrow Fee paid by Borrower: $XXX.XX<br> Release Fee paid by Borrower: $XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA Finance Charge test due to calculated finance charge $XX,XXX.XX exceeds disclosed finance charge of $XX,XXX.XX under disclosed by -$XX,XXX.XX.<br>Loan failed TILA APR test due to calculated APR X.XXX% exceeds APR threshold of X.XXX% under disclosed by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan has a single-premium MI plan, and the full amount for MI is charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL as $XX,XXX.XX Calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$XXX.XX.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final TIL as $XX,XXX.XX. Calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the ARM with an ineligible lookback period to re-pool. Further details not provided. The subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan has a single-premium MI plan, and the full amount for MI is charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeds the disclosed finance charge of $XXX,XXX.XX by -$XX,XXX.XX. The loan failed the TILA APR test due to the APR calculated at X.XXX% exceeding the disclosed APR of X.XXX% by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan fails the loan origination fee test due to fees charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by +$X,XXX.XX. The fees below were included in the test: Loan Origination Fee paid by Borrower: $X,XXX.XX Additional Loan Discount paid by Borrower: $X,XXX.XX Settlement / Closing / Escrow Fee paid by borrower: $XXX.XX Assignment Endorsement Fee paid by borrower: $XXX.XX Flood certification fee paid by borrower: $XX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject is an ARM loan, and the lookback period on the note is not eligible for re-pool. The note document shows the service lookback period is for XX days. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The right of rescission is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed loan origination fee test due to fee charged $X,XXX.XX fee threshold by $XXX.XX, over by +$XXX.XX. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> Assignment Endorsement Fee paid by Borrower: $XXX.XX<br> Flood Certification to FDSI paid by Borrower: $XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan has a single-premium MI plan, and the full amount for MI is charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XX,XXX.XX exceeding the disclosed finance charge of $XX,XXX.XX by -$X,XXX.XX. <br>The loan failed the TILA foreclosure rescission finance charge test due to calculated finance charge of $XX,XXX.XX exceeds the disclosed finance charge of $XX,XXX.XX by -$X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TILA finance charge test. Finance charge disclosed on Final TIL as $XX,XXX.XX. Calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$X,XXX.XX. <br>Loan failed the TILA foreclosure rescission finance charge test. Finance charge disclosed on Final TIL as $XX,XXX.XX. Calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$X,XXX.XX. <br>Loan failed TILA APR test because APR calculated at X.XXX% exceeds APR threshold of X.XXX% under disclosed by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed the loan origination fee test. In addition to certain itemized fees and charges designated by VA guidelines, the lender may charge the veteran a flat charge not to<br> exceed X%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject is an ARM loan, and the lookback period on the note is not eligible for re-pool. The note document shows the service lookback period is for XX days. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$X,XXX.XX.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan has a single-premium MI plan, and the full amount for MI is charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan fails loan origination fee test due to fees charged $X,XXX.XX fees threshold $X,XXX.XX over by +$XXX.XX.<br> The below fees included in the test:<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Settlement / Closing / Escrow Fee paid by Borrower: $XXX.XX<br> Title Document Preparation Fee paid by Borrower: $XXX.XX<br> Assignment Endorsement Fee paid by Borrower: $XXX.XX<br> State of Texas Policy Guaranty Fee paid by Borrower: $X.XX<br> Tax Cert paid by Borrower: $XX.XX<br> Flood Certification paid by Borrower: $XX.XX<br> HOA Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test. On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed Loan Origination Fee Test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in this test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> Additional Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Assignment Endorsement Fee paid by Borrower: $XX.XX<br> Tax Certificate Fee paid by Borrower: $XX.XX<br> TX Policy Guaranty Fee paid by Borrower: $X.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA Finance Charge test due to calculated finance charge $XX,XXX.XX exceeds disclosed finance charge of $XX,XXX.XX under disclosed by -$XX,XXX.XX.<br>Loan failed TILA APR test due to calculated APR X.XXX% exceeds APR threshold of X.XXX% under disclosed by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan has a single-premium MI plan, and the full amount for MI is charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan fails the loan origination fee test due to fees charged of $X,XXX.XX exceeding the fees threshold of $XXX.XX by +$XXX.XX. The fees below were included in the test: Loan Origination Fee paid by Borrower: $XXX.XX Additional Loan Discount paid by Borrower: $XXX.XX Settlement / Closing / Escrow Fee paid by borrower: $XXX.XX Assignment Endorsement Fee paid by borrower: $XX.XX Flood Certification paid by Borrower: $XX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The right of rescission is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XX,XXX.XX exceeds the disclosed finance charge of $XX,XXX.XX over by -$XXX.XX The loan failed the TILA foreclosure rescission finance charge test due to the calculated finance charge of $XX,XXX.XX exceeds the disclosed finance charge of $XX,XXX.XX over by -$X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan has a single-premium MI plan, and the full amount for MI is charged at closing. The subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | The truth in lending is not hand dated. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the ARM has an ineligible lookback period, making the loan ineligible for re-pooling. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed Loan Origination Fee Test due to fees charged $X,XXX.XX exceed fees threshold of $XXX.XX over by +$XXX.XX.<br> The below fees were included in this test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> Settlement / Closing / Escrow Fee paid by Borrower: $XXX.XX<br> Title Document Preparation Fee paid by Borrower: $XX.XX<br> Assignment Endorsement Fee paid by Borrower: $XXX.XX<br> Tax Certificate Fee paid by Borrower: $XX.XX<br> Title CPL Fee paid by Borrower: $XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan has a single-premium MI plan, and the full amount for MI is charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Valuation |  | Active | 3: Curable | \* Number of units in the property is inconsistent with the tape (Lvl 3) | The number of units in the property is inconsistent with the tape. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA Finance Charge test due to calculated finance charge $XX,XXX.XX exceeds disclosed finance charge of $XX,XXX.XX under disclosed by -$XX,XXX.XX.<br>Loan failed TILA APR test due to calculated APR X.XXX% exceeds APR threshold of X.XXX% under disclosed by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test. On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan was repurchased due to EPD. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the seller did not obtain second appraisals as the subject loan does not meet the seasoning period requirements between the last transaction of the property and the subject loan. The review of the appraisal report shows the date of the prior transaction of the subject was xx/xx/XXXX with a sales price of $xxK and the subject loan closed on xx/xx/XXXX with a sales price of $xxK. Property was substantially renovated. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX.<br> Loan estimate dated xx/xx/XXXX does not reflect XXXXD Fee. CD dated xx/xx/XXXX reflects XXXXD Fee at $XXX.XX.<br> This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active.<br>TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects lender credit at $XXX.XX. Post CD dated xx/xx/XXXX does not reflect lender credit. This is decrease of -$XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the appraised value of $xxK is not supported, as the AVM report reflects the value of the subject property at $xxK. Also, the appraiser did not consider the improved third-floor bonus room with appropriate adjustments to the property value, the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XXXK. Comp #X, with a sales price of $xxK, is closest to the subject property. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | BWR is an LLC. Note and mortgage documents were signed by the BWR as members of the LLC and not in the individual names. Personal guarantee is available in the file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | The subject is a manually underwritten loan. Reaching out to the seller for the guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Credit | Active | 4: Unacceptable | \* Required Documentation Missing or Incomplete (Lvl 4) | Loan approval is missing from the loan file.<br> xx/xx/XXXX : Seller confirmed, loan is commercial and loan approval is not required. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | BWR is an LLC. Note and mortgage documents were signed by the BWR as member of the LLC and not in the individual name. Personal guaranty is available in the file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | Subject loan is a manual underwritten loan. Reaching out to the seller for the guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | Subject loan is manually underwritten. Reaching out to the seller for the guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Point - Loan Discount Fee at $XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan failed the state regulation for the first lien prohibited fees test. The following fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and review of the file show noted items that pose health, safety, and structural issues. Due to rain, the front stoop and bottom drive have shifted and need to be repaired. The estimated cost to cure is approximately $XXXX - $XXXX. XXXXD/inspection report by a qualified professional addressing the completion of repairs is missing from the loan documents, and the final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows the lender did not document the rental income. Excluding the rental income, the revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives social security income, FICO XXX, XXXX since inception, $XXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the condo project reflects a PAR status of not eligible in the condo project advisor, making the loan ineligible for delivery. Review of the condo questionnaire does not reflect any special assessment. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX does not reflect Rate Lock Fee. CD dated xx/xx/XXXX reflects Rate Lock Fee at $XXX.XX.<br> Loan estimate dated xx/xx/XXXX reflects Transfer Taxes at $XXX.XX. CD dated xx/xx/XXXX reflects Transfer Taxes at $X,XXX.XX.<br> This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Rate Lock Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Rate Lock Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))<br> A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was<br> not provided to the borrower within three business days after the interest rate was locked on xx/xx/XXXX, xx/xx/XXXX and xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the BWR entered into the VASP (Veterans Affairs Servicing Purchase) mortgage program that had already expired. Further details not provided. Subject loan originated on xx/xx/XXXX, and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | Final CD shows cash to borrower $XXX.XX as loan is cash out purchase. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved as OO at xx%. The tape shows the subject is NOO due to misrepresentation causing the lender to omit the BWR primary housing expense. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE for XX.XX years at xx, FICO XXX and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the property is NOO due to misrepresentation. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The initial loan estimate dated xx/xx/XXXX reflects points - loan discount fee of $X,XXX.XX. The final CD dated xx/xx/XXXX reflects points - loan discount fee of $X,XXX.XX. The initial loan estimate dated xx/xx/XXXX does not reflect the appraisal - comparable rent fee. The final CD dated xx/xx/XXXX reflects the appraisal - comparable rent fee of $XXX.XX. The initial loan estimate dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. The final CD dated xx/xx/XXXX reflects an appraisal fee of $XXX.XX. The initial loan estimate dated xx/xx/XXXX does not reflect the appraisal review fee. The final CD dated xx/xx/XXXX reflects the appraisal review fee of $XXX.XX. The initial loan estimate dated xx/xx/XXXX reflects a transfer tax fee of $X,XXX.XX. The final CD dated xx/xx/XXXX reflects a transfer tax fee of $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows assets could not be verified. Bank statements in the file show $XXK in assets; gift assets of $XXK are supported by a gift letter, and the cash-to-close requirement is $XXK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed complianceEase delivery and timing test for revised CD dated xx/xx/XXXX. Document tracker is missing and X business days were added to get receipt date xx/xx/XXXX which is after the consummation date xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO, due to misrepresentation. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx% DTI. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan failed TRID Rate lock disclosure delivery date test due to disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx/xx/XXXX, xx/xx/XXXX and xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the initial closing disclosure delivery date test due to The initial closing disclosure receipt date is provided, and the initial closing disclosure receipt date is less than three business days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Pennsylvania license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and the appraisal report show various cracks in the basement foundation walls, unfinished drywall at the main bedroom ceiling, and a broken ceiling in the basement. The estimated cost to cure is $XXK. XXXXD, or a structural inspection report by a licensed professional, is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by BWR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X months on the job as a xx, FICO XXX, $XXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape show closing CD was not issued X days prior to the closing date. Further details not provided. The Infinity CE report shows this loan failed the revised closing disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* LE/CD Issue date test Fail (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Lease agreement is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the condo project is ineligible due to split ownership arrangements, as ownership of the land and improvements is divided. Review of condo questionnaire does not show any special assessment. Further details not provided. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows the co-borrower was not employed at the time of closing. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been SE for X.XX years at x. BWRX has X.XX years on the job as a xx. FICO XXX, XXXX since inception, $XXK equity in the subject, and $XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape data shows the second lien $xx IHDA down payment assistance will be retained by XXXX. According to the updated title report dated xx/xx/XXXX, there is an active junior mortgage against the subject property in favor of the xx in the amount of $xx, which was originated on xx/xx/XXXX and recorded on xx/xx/XXXX with the instrument #xx. This mortgage was rerecorded on xx/xx/XXXX to correct the notary section. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the lender did not document sufficient assets to close. Final CD reflects a $X,XXX gift of equity and a tax proration credit of $X,XXX.XX. Excluding the excess tax proration credit, bank statement in file reflects $XXX.XX in available assets, which does not meet the required qualifying assets, resulting in a borrower shortfall of $X,XXX.XX. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx. BWRX has XX.XX years on the job as a xx, FICO XXX, and $X,XXX equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* TRID Violations (Lvl 3) | This loan failed the TRID rate lock disclosure delivery date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated xx/xx/XXXX reflects cash to in the amount of $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by BWR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject was approved at xx%. The tape shows the lender was unable to validate income and employment due to insufficient income history, and the lease agreement for the departing residence was unacceptable because the property is vacant and listed for sale. Unable to determine revised DTI. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWR was qualified using an offer letter as a lead analyst with XXXX, FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | The subject is approved as NOO. The lease agreement is missing from the loan documents. Seller provided XXXX and confirmed that XXXX was used in lieu of a lease agreement. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows rental income used for qualification is not supported by tax return. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been xx for XX.XX years at xx. Additionally, BWR has been SE for X.XX years at xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. Review confirms ATR with documented repairs on rental properties in question. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO as the BWR did not occupy the subject after closing. Further details were not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO as the BWR did not occupy the subject after closing, causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx, FICO XXX, XXXX in the last XX months and $X,XXX equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows the MI rescinded. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Other Disclosures | Active | 4: Unacceptable | \* VA Disclosures (Lvl 4) | Tape shows the subject loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed charges that cannot increase the X% tolerance test. The revised LE dated xx/xx/XXXX reflects points - loan discount fee of $X,XXX.XX. The final CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet VA net tangible benefit requirements for a refinance loan. Final CD shows BWR received $XXXK at closing. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* MI, FHA or MIC missing and required (Lvl 4) | VA loan guaranty certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows excessive IPC (interested party contribution) for investment property. Final CD reflects seller credit of $XX,XXX.XX. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Lease agreement is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does not reflect NC Rate Lock. Post, CD dated xx/xx/XXXX reflects NC Rate Lock at $XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. Valid COC for the increase in fee is available. Revised CD xx/xx/XXXX, COC is not getting tested. <br> Subject loan is a purchase case, originated on xx/xx/XXXX and the SOL is X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br>The loan failed the NC rate spread home loan test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is an HPML loan, and the second appraisal ordered was not delivered X days prior to closing. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)) due to an APR calculated at X.XXX% exceeding the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulations XXXX.XX(b), (c), and (d). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the BWR is an XXXX and the investor would not purchase loan due to the structure of XXXX contracts. Further details not provided. The subject originated on xx/xx/XXXX. FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR income declined after closing. Further details not provided. Subject originated on xx/xx/XXXX. BWR has X years on the job as a xx, FICO XXX, and XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the condominium project is not warrantable (NWC) as the HOA master insurance policy carries a XX% deductible, which exceeds agency guideline limits. Review of the condo questionnaire does not show any special assessment. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX does not reflect Compliance Audit / Quality Control Fee. CD dated xx/xx/XXXX reflects Compliance Audit / Quality Control Fee at $XXX.XX.<br> Loan estimate dated xx/xx/XXXX does not reflect Funding, Wire, or Disbursement Fee. CD dated xx/xx/XXXX reflects Funding, Wire, or Disbursement Fee at $XXX.XX.<br> This is a cumulative increase in fee of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the DPA program guidelines were not met, as the borrower's qualifying income exceeds the county income limit and the loan is not eligible for the DPA program. Further details not provided. The subject is in first lien. Subject originated on xx/xx/XXXX, FICO XXX, and $X,XXX equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the DPA program did not meet guidelines that require the borrower work for an FL-based company. Review of the loan file subject property located in the state of FL, and BWR was working at XXXX, which is located in NY. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at "xx" state that the manufactured home with serial #xx has been affixed to the permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject lien is in first position. Review of the file shows the subject has a DPA loan that did not meet program guidelines, resulting in an AUS Refer decision. Manual underwriting is not acceptable for this loan. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Note has LIBOR Index with Replacement Clause (Lvl 2) | The note states if the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Connecticut license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Connecticut license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows PACE Lien. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test. On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan fails the prohibited fees test.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $XXX.XX<br> Commitment Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing required 1-4 family rider (Lvl 2) | The X-X family rider is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as the final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows the subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeds the disclosed finance charge of $XXX,XXX.XX over by -$XXX.XX. The loan failed the TILA foreclosure rescission finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeds the disclosed finance charge of $XXX,XXX.XX over by -$XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value at $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the disclosed finance charge of $XXX,XXX.XX exceeds the calculated finance charge of $XXX,XXX.XX by -$XXX.XX. The loan failed the TILA foreclosure rescission finance charge test due to the disclosed finance charge of $XXX,XXX.XX exceeds the calculated finance charge of $XXX,XXX.XX by -$XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan does not violate predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial XXXX is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XX,XXX.XX exceeding the disclosed finance charge of $XX,XXX.XX by -$XXX.XX. <br>The loan failed the TILA foreclosure rescission finance charge test due to calculated finance charge of $XX,XXX.XX exceeds the disclosed finance charge of $XX,XXX.XX by -$XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X is missing from the loan documents. CE was tested using the fee itemization in the file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) | This loan is from the state of Kentucky which has unlimited assignee liability for state high cost & we are unable to test compliance due to missing HUD. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the CT license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand-dated by the borrower. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL is not hand signed by the borrower. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows the subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged of $X,XXX.XX Exceeds the fees threshold of $X,XXX.XX by $XXX.XX. Loan Origination Fee paid by Borrower: $X,XXX.XX Processing Fee paid by Borrower: $XXX.XX Underwriting Fee paid by Borrower: $XXX.XX Administration Fee paid by Borrower: $XXX.XX Flood Determination—Life of Loan Fee paid by borrower: $XX.XX Tax-Related Service Fee paid by Borrower: $XX.XX XXXX Settlement/Closing/Escrow Fee paid by Borrower: $XXX.XX Title: Courier Fee paid by borrower: $XX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value at $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Mobile Home (Lvl 4) | Home is not affixed. As per the BPO report, which is located at "xx," the subject property type is a manufactured home. The ALTA X endorsement is not attached to the final title policy. The legal description attached to the subject mortgage does not show the VIN or serial number. The affidavit of affixation is not available to confirm whether the mobile home is affixed to a permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan failed the late fee test, as the fee charged of XX.XXX% exceeds the fee threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value at $XXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan failed the interest rate test, as the interest rate charged of XX.XXX% exceeds the interest rate threshold of XX.XXX% over by +X.XXX%.<br>This loan failed the brokerage/finder fee test due to fees charged of $X,XXX.XX exceeds fee threshold of $XXX.XX over by +$X,XXX.XX.<br> The following fees were included in the test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> Mortgage Broker Fee (Direct) paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Balloon Rider Missing (Lvl 2) | As per the note, the loan type is a balloon fixed-rate note. The balloon rider is missing from the loan files. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at xx shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The ROR is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA foreclosure rescission finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeds the disclosed finance charge of $XXX,XXX.XX by -$XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Ohio | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | The initial XXXX signed by the loan originator is missing from the loan files. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X, along with itemization of fee and estimated HUD-X, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan is a business purpose loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Credit | Credit | Active | 4: Unacceptable | \* Business Purpose Affidavit is missing (Lvl 4) | Business purpose affidavit signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows junior lien. The updated title report, xx/xx/XXXX, does not show any lien against the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at "xx "shows that the original note has been misplaced, destroyed or lost. A duplicate copy of the note is available in the loan file located at "xx". |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 4: Unacceptable | \* Unable to run Compliance Testing (Lvl 4) | The subject loan is a HELOC. Points and fees are not provided in the loan file; therefore, the Compliance Ease was not tested. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial XXXX is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial XXXX signed by loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan file. XXXX search shows an estimated value at $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The right of rescission is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final truth in lending is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* MI, FHA or MIC missing and required (Lvl 4) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeds the disclosed finance charge of $XXX,XXX.XX by -$X,XXX.XX. The loan failed the TILA foreclosure rescission finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeds the disclosed finance charge of $XXX,XXX.XX by -$X,XXX.XX. The loan failed the TILA APR test due to calculated APR of X.XXX% exceeds the APR threshold of X.XXX% by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arkansas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arkansas | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Release of mortgage (Lvl 4) | According to the updated title report dated xx/xx/XXXX, the subject mortgage was originated on xx/xx/XXXX and recorded on xx/xx/XXXX. As per the partial release of the subject mortgage located at xx, recorded on xx/xx/XXXX, the subject mortgage has been partially paid, and a portion of the property has been released. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arkansas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arkansas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X, along with itemization of fee and estimated HUD-X, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Alabama | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X, the estimated HUD-X, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial XXXX signed by loan originator is missing from the loan files. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X, along with itemization of fee and estimated HUD-X, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at "xx" shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at "xx." |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The ROR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4) | Home is not affixed. As per the appraisal report, which is located at (xx), the subject property type is a manufactured home. The ALTA X endorsement is not attached to the final title policy. The legal description attached to the subject mortgage does not show the VIN or serial number. The affidavit of affixation is not available to confirm whether the mobile home is affixed to a permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal dated after closing (Lvl 2) | Appraisal date after closing date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X is missing from the loan documents. CE tested with the itemization of fees. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* MI, FHA or MIC missing and required (Lvl 4) | FHA MIC is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TILA foreclosure rescission finance charge test. Finance charge disclosed on Final TIL as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | The original note is missing. The lost note affidavit is not available in the loan file. The loan was modified, and it is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | The tape shows the subject loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X, along with itemization of fees and estimated HUD-X, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | The tape shows the subject loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-X, along with estimated HUD-X and fee itemization, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial XXXX is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X is missing. Consider the estimated HUD to run the CE. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan file. XXXX search shows an estimated amount of $XXXK; the current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $X.XM. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeds the disclosed finance charge of $XXX,XXX.XX by -$XX,XXX.XX. The loan failed the TILA APR test due to the APR calculated at X.XXX%, which exceeds the disclosed APR of X.XXX% by X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing flood cert (Lvl 2) | Flood insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance policy is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | The lease agreement is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* Missing Required Disclosures (Lvl 4) | Loan approval is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | The loan program guideline is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Business Purpose Affidavit is missing (Lvl 4) | Business purpose affidavit signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | The tape shows the subject loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) | The property is located in Massachusetts, which has unlimited assignee liability for high state costs, and the final HUD-X is missing to test the compliance. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | The initial application signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final truth in lending is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value at $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | The subject is a manually underwritten loan. Reaching out to the seller for the guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows the subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The right of rescission is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final truth in lending is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* Note is missing or unexecuted (Lvl 3) | The original note is missing. The lost note affidavit is not available in the loan file. The loan was modified on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. XXXX shows the estimated value at $XXX,XXX & the current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final TIL document is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as the final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows the subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The right of rescission is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XX,XXX.XX.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XX,XXX.XX.<br>Loan failed TILA APR test due to APR calculated X.XXX% exceeds APR threshold X.XXX% under disclosed by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The settlement services provider list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO. ATR could not be determined as XXXX, AUS, loan approval and income documents are missing from the loan documents. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | The final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | The hazard insurance policy is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | Initial LE is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing the transfer disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | AUS | Active | 4: Unacceptable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 4) | AUS report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | The initial XXXX signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to calculated finance charge of $XXX,XXX.XX exceeds the disclosed finance charge of $XXX,XXX.XX variance by -$X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand-dated by the borrower. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final HUD. CE was tested using the fee itemization in the file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | The subject is a manually underwritten loan. Reaching out to the seller for the guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the New York subprime home loan initial GFE disclosure date validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test. On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Bankruptcy History does not meet guidelines (Lvl 3) | According to the PACER, the borrower, XXXX, filed bankruptcy under Chapter XX with the case # xx on xx/xx/XXXX. Schedule D of the voluntary petition shows a handwritten address, and without deducting the value of the collateral, the value of the collateral is the unsecured portion sections. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-X has some points and fees handwritten. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as the final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Bankruptcy History does not meet guidelines (Lvl 3) | According to the PACER, the borrower, XXXX, filed bankruptcy under Chapter XX with the case #xx on xx/xx/XXXX. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx, and the value of the collateral is $xx. The unsecured portion is $xx. The information of the subject collateral is handwritten. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows principal or residential detached structures located in a Special Flood Hazard Area (SFHA) are ineligible for purchase when the community does not participate in the National Flood Insurance Program (NFIP). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan did not meet applicable affordable housing program requirements. File does not show affordable housing restrictions. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Renovation Draw Inspection Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Renovation Draw Inspection Fee at $X,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the renovation repurchase obligation was triggered as the loan became XXX+ days delinquent prior to completion of the renovation work; RENO work was completed on xx/xx/XXXX. Further details not provided. Subject originated on xx/xx/XXXX. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB reflected as per the payment history is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows, early payment default. According to payment history as of xx/xx/XXXX, the borrower has been delinquent for X month, and the next due date is xx/xx/XXXX. The current UPB is $xx. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Your home loan toolkit/acknowledgment/disclosure tracking is missing in the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx/xx/XXXX.<br>TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. Final CD dated xx/xx/XXXXX does not reflect lender credit. This is decrease of -$X,XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br> The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL is expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $X,XXX,XXX.XX exceeding the disclosed finance charge of $X,XXX,XXX.XX by -$XXX.XX. <br> The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Other Disclosures | Active | 4: Unacceptable | \* VA Disclosures (Lvl 4) | Tape shows subject loan is uninsured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan fails the qualified mortgage lending policy points and fees test due to the fee charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by $XXX.XX. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at XX.XX%. Tape shows undisclosed debt opened prior to closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives annuity income, FICO XXX, XXXX since inception, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Appraisal is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE QM points and fees test due to fee charged of $X,XXX.XX exceeding the fees threshold of $X,XXX.XX by $XXX.XX. The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and file show the initial CD was not disclosed/acknowledged by the non-borrowing title holder at least X days prior to consummation. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | Subject loan is a manually underwritten loan. Reaching out to the seller for the guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the leasehold interest does not extend through the loan maturity as required. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | Subject approved as a second home. LOX in file from BWR shows they own another condo in the same complex and that this subject will be their second home. Subject may be NOO. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* Type of Ownership is Leasehold Or Cooperative (Lvl 4) | The subject leasehold agreement is in the file (xx), and the leasehold term expires xx/xx/XXXX, and the mortgage matures on xx/xx/XXXX. Elevated for client review. Tape shows the leasehold interest does not extend through the loan maturity. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx. Additionally, BWR has X months on the job as a xx. FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the dual broker compensation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows the MI was rescinded. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit the BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X years on the job as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation in charges that cannot increase the test due to an increase of fee in the final CD dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects a Points - Loan Discount Fee at $X.XX and an Appraisal Fee at $X.XX. The final CD dated xx/xx/XXXX reflects the points—loan discount fee at +$XXX.XX and appraisal fee at $XXX.XX. This is a fee increase of +$XXXX.XX for the X% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the SOL is X year expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Lender credits that cannot decrease the test due to the decrease of the lender credits in the final CD dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX Lender Credits is at $X,XXX.XX; the final CD dated xx/xx/XXXX Lender Credits reflects $X. A valid COC for the decreased lender credit is missing in the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject loan was approved as OO. Tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Your home loan toolkit/acknowledgment/disclosure tracking is missing in the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the finance charge disclosed on the final CD as $XXX,XXX.XX. The calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$X,XXX.XX. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired.<br>This loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the Pennsylvania license validation test.<br>The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | Tape shows X parcels of land each with separate residences. Primary house is on one lot. The appraisal describes the other home on the adjacent lot as an ADU. Review of the file shows this is a second SF home. Treating property as XF. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect the mortgage broker fee. The final CD dated xx/xx/XXXX reflects the mortgage broker fee of $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br>The TRID violation test failed due to a decrease in lender credit on the final CD. The initial CD dated xx/xx/XXXX reflects a lender credit of $X,XXX.XX. The final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX (multiple fees paid by lender). This is a decrease of $X,XXX.XX for a fee that has a X% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows MI was rescinded. PH shows MI is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows lender qualified BWR using only a X-year tax return instead of the X-year business and personal tax return. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE as a xx for X.XX years, FICO XXX, XXXX over the last XX months, $XXXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID Violation due to decrease in lender credit on final CD dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. Final CD dated Xxx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of $X,XXX.XX for fee which has X% tolerance test. Subject loan is a purchase, originated on Xxx/xx/XXXX and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx, and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by DU (Locator# xx) and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The Appraiser noted peeling paint on the front siding with an estimated cost to cure of $X,XXX. Review of the photos shows minimal impact to the home. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan fails the Qualified Mortgage Lending Policy points and fees test due to fees charged of $X,XXX.XX Exceeds the fees threshold of $X,XXX.XX by $X,XXX.XX. The below fee was included in the test: Points—Loan Discount Fee paid by Borrower: $X,XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender allowed the loan to close without evidence the royalty income would continue for at least X years and improperly excluded debt. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR receives Royalty, dividends and Retirement income, FICO XXX and $XXXK equity in the subject property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider attached with the recorded mortgage located at "xx" states that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows a technology issue delayed the placement of the executed eNote in the file. The loan became delinquent during the resolution period prior to delivery to the GSEs. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan failed the GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged of $XX,XXX.XX exceed the fees threshold of $XX,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX.<br>The loan failed the qualified mortgage lending policy points and fees test due to fees charged of $XX,XXX.XX exceed the fees threshold of $XX,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | Subject was purchased on xx/xx/XX for $XXXK. Property consists of a xxplus storage buildings. Subject loan originated xx/xx/XX in the amount of $XXXK, valued at $xxK. Value is in the land as evidenced by the large adjustments (as high as $xxK) that the appraiser made to the land allocation. Value does not appear supported and may be used for development. XXXX shows an estimate of $XXXK. Current UPB $xx. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Lease agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows a technology issue caused a delay in having an executed eNote in the file (resolved). The loan became delinquent during resolution, prior to delivery to the GSEs. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the processing fee, underwriting fee, and credit monitoring service fee. The loan estimate dated xx/xx/XXXX reflects points—the loan discount fee at $X,XXX.XX and the transfer taxes fee at $XXX.XX. The CD dated xx/xx/XXXX reflects a processing fee at $XXX.XX, an underwriting fee at $XXX.XX, a credit monitoring service fee at $X.XX, a points-loan discount fee at $X,XXX.XX, and a transfer taxes fee at $XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL expired. <br> Loan failed charges; that in total cannot increase more than XX% tolerance test. The LE dated xx/xx/XXXX reflects the sum of Section C fees and the recording fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects the sum of Section C and the recording fee at $X,XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% per test. A valid COC for the increase in fee is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at xx%. Tape shows SSI income was grossed up to xx% without supporting documentation. Revised DTI is xx%. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL has expired. BWR receives social security income, FICO XXX, $XXK equity in the subject and residual income of $XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt opened prior to closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives social security and retirement income, FICO XXX, XXXX since inception, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been an SE for X.XX years at xx. Additionally, BWR has been SE as a truck operator for X.XX years. FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | Flood certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows qualifying income used by the lender exceeds the maximum income limit permitted under the bond program guidelines. Further details not provided. Subject loan originated on xx/xx/XXXX, FICO XXX, and XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | The flood certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the appraisal did not note that the subject was listed for sale; a review of XXXX search shows the subject was listed for sale on xx/xx/XXXX at $xxK with several price reductions; the subject's final last price was $xxK. Additionally, the MC addendum notes seller concessions are not typical for the market, and the appraised value exceeds the listing prices without adequate supporting analysis. Comp X from the same subdivision was sold xx/xx/XX for $XXXK. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The settlement services provider list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | ComplianceEase TRID tolerance test is incomplete due to the initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing flood cert (Lvl 2) | Flood certification is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance policy is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the lender could not obtain IRS tax transcripts during processing and closing due to COVID-related IRS delays. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as an xx. BWRX has XX years on the job as an xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the Points - Loan Discount Fee. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. Loan estimate dated xx/xx/XXXX reflects Verification Services [Custom Fee] at $XX.XX. CD dated xx/xx/XXXX reflects Verification Services [Custom Fee] at $XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the loan was unable to sell, as the appraised value came under question, and when the field review was completed, the appraised value reduced, changing LTV from xx% to xx%. Based on the current estimated value, the LTV will be below the MI requirement. XXXX search shows an estimated value of $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject is NOO and approved at xx%. Tape shows miscalculation of rental income. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as an xx, FICO XXX, XXXX in the last XX months, $XXXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | The lease agreement is missing from the loan documents. Subject originated xx/xx/XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | Tape shows the subject condo project is due for repairs estimated at $xxK, and the repairs are expected to start on xx/xx/XXXX and be completed by xx XXXX. Condo questionnaires do not provide any details regarding the repair work. The final XXXXD, or inspection report, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject is NOO. Tape shows the XX-month seasoning requirement was not met, as the mortgage refinance date was xx/xx/XXXX. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Lease agreement is missing from the loan documents. As per seller, no rental income was used to qualify for this loan, thus there is no lease agreement. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 3: Curable | \* Note data is missing or inaccurate (Lvl 3) | Tape shows incorrect I/O term on note. Further details are not provided. File shows the note document does not show the I/O term whereas loan approval and amortization schedule show interest only period is for XXX months out of XXX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | The lease agreement is missing from the loan documents. The available lease agreement is for a different property address: xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and the Infinity CE report show the loan failed the initial CD TRID X-day waiting period prior to the consummation date. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the investor lock had a XX-year interest-only term, and the lender closed as a XX-year fixed term. File also shows the subject closed with a XX-year fixed term. Further details not provided. The subject loan originated on xx/xx/XXXX and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | The lease agreement is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Reaching out to seller to verify active MI status.<br> xx/xx/XXXX: Seller responded that the MI is not active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows assets are insufficient for closing. As per LP, available assets in the amount of $XXXK satisfy the cash-to-close requirement of $XXXK at closing. Review of loan file shows the funds were in escrow at closing from the proceeds from another property. Further details not provided. The subject loan was originated on xx/xx/XXXX, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value at $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows PIW was lost on the AUS when the LTV was corrected. Further details not provided. The subject originated on xx/xx/XXXX, FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | The TRID tolerance test is incomplete due to the initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | The flood certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject loan closed X days prior to the signing or notarization. The final CD reflects the closing date as xx/xx/XXXX. The notary's signature date on the mortgage/deed of trust is xx/xx/XXXX. The note date is xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape shows lender repurchased loan over investor concerns with the structural integrity issues in foundation walls. Appraisal report shows water gets accumulated in the basement walls due to the melting of snow and cracks in the basement wall. Appraisal also notes part of the basement ceiling is covered with cardboard. The estimated cost to cure is not available. XXXXD, or an inspection report by a licensed professional confirming the safety and structural soundness of the subject property, is missing from the loan file. The final CD does not reflect escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape shows the subject loan was rejected by the investor due to the satisfactory completion of the suggested corrections by the appraiser. Appraisal was subject to completion of termite inspection and hot water heater pressure relief repair and XXXXD showing all conditions have been satisfactorily completed. Inspection report in file shows additional issues were not addressed including leak in bathroom and stucco bowing. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. The subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active.<br>This loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the value is $xxK. Comp #X, with a sales price of $xxK, is closest to the subject property. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects Recording fee at $XXX.XX. CD dated xx/xx/XXXX reflects Recording fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape and review of the purchase agreement show buyer X as xx, whereas the appraisal report reflects buyer X as xx, resulting in an inconsistency in the buyer's name across documents. Further details not provided. The subject deed dated xx/xx/XXXX shows xx as the buyer. Subject originated on Xxx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. The improvement and photo addendum of the appraisal report show minor damage on the wall. The estimated cost to cure is not available in the loan files. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet the required seasoning requirements for a cash-out refinance. Further details not provided. The subject loan originated on xx/xx/XXXX, FICO XXX, and XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XX,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of +$XXX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. <br>Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate.<br> The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. The Lender included commission income without a X-year history. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X years and receives child support, BWR X is employed with xx for X months and receives SSI and child support, FICO XXX, $X,XXX residual income $XX.XK reserves and $XX.XK equity in the subject property.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is as is; the improvement section shows there are water stains on the ceiling of the rec room that need to be repaired. The estimated cost to cure is not available in the loan file. The XXXXD, or an engineer inspection report, is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO as the lender was unable to validate owner occupancy causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has been SE for X.XX years at xx. BWRX has been xx for XX.XX years, FICO XXX, XXXX since inception, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan failed Compliance Ease delivery and timing test for revised CD dated xx/xx/XXXX. Document tracker is missing and X business days were added to get receipt date xx/xx/XXXX which is after the consummation date xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO as the lender was unable to validate owner occupancy. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved as OO at xx%. The tape shows the subject is NOO as the lender was unable to validate owner occupancy causing the lender to omit BWR primary housing expenses and the revised FICO XXX. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as an xx. FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO as the lender was unable to validate owner occupancy. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the condo project is ineligible, as the delinquency on special assessments is xx%, exceeding the maximum allowable limit of XX%. Review of the condo questionnaire does not show any special assessment. Further details not provided. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows the lender did not properly document and verify the income of the borrower under the XX-month business bank statement program. Tape also shows BWR does not report the SE income on their taxes. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been SE as a xx for X.XX years, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan fails to satisfy State HFA requirements, specifically that a non-purchasing spouse must sign the mortgage or deed of trust. The investor requested a divorce decree to confirm that the spouse was awarded the property at xx. Without divorce, exceptions are not permitted, and since the borrower is not divorced, the investor's acceptance is denied. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TRID rate lock disclosure delivery date test due to disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx/xx/XXXX.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Fannie Mae public guidelines) QM APR test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | The FHA connection shows that the MI was canceled on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed the FHA qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows non-occupying co-borrowers are limited to xx% LTV unless they are family members and missing an LOE to verify that the borrower is aware the value came in at $XXX,XXX.XX, but agreed upon sale price is $xx. Further details not provided. The subject loan closed on xx/xx/XXXX with an LTV of xx% and a CLTV of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TRID rate lock disclosure delivery date test due to disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx/xx/XXXX.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows REO obligations were not properly calculated. Revised DTI is xx%. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X months on the job as a xx. BWRX has XX.XX years on the job as an xx, FICO XXX, XXXX since inception, $XXXK reserves, $XXK equity in the subject, and $X,XXX residual income.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows excessive IPC (interested party contribution). Final CD reflects point and fees paid by seller in the amount of $xx. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value of $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at xx%. Tape shows undisclosed debts and the lender did not obtain tax transcripts to determine SSI income. Further details not provided. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives social security income, FICO XXX, and XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Kansas license validation test.<br>Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows condo project documentation is not provided. Appraisal report and condo questionnaire do not reflect any damage or repair. XXXX search shows an estimated value of $XXXK. Current UPB $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TILA finance charge test. Finance charge disclosed on the final CD is $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$X,XXX.XX. The subject loan is a refinance case that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows lender-paid MI has been canceled. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to misrepresentation. Further details were not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing the lender to omit the BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX & BWRX have been xx for X.XX years at xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Legal Docs | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | Final CD dated xx/xx/XXXX reflects escrow holdback in the amount of $XX,XXX.XX. Proof for release of escrow holdback is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and review of the file show the appraisal report is subject to completion of renovations, and the work is not completed. The estimated amount of repairs is $xxK, and the XXXXD confirming the completion of renovation is missing from the loan documents. The final CD reflects the escrow holdback of $XXK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Document Preparation Fee. Final CD dated xx/xx/XXXX reflects Document Preparation Fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. Initial CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects lender credit at $X,XXX.XX. This is decrease of -$XX.XX for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. <br>Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d). <br>Loan failed MA XXX CMR XX.XX Higher-Priced Mortgage Loan threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. Lender used the departing residence lease income and missed the home was listed for sale. Lender defect. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X months, FICO XXX, $X,XXX residual income, and $XX.XK equity in the subject property. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | The subject loan is not insured as final CD and PCCD show MIP refund in the amount of $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | Initial LE is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial LE is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject loan was originated with a lower interest rate of X.XX%. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows FNMA disagrees with the income calculation. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X years at xx, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete due to initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Reaching out to the seller to verify active MI status.<br>xx/xx/XXXX: Seller confirmed that MI has been canceled. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #X, with a sales price of $xxK, is closest to the subject property. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase fee in the amount of +$X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows an appraisal issue. The appraisal report located at "xx" states that the property was subjected to completion of the repairs. The XXXXD is located at "xx." Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Reaching out to seller for the active MI status.<br>xx/xx/XXXX: Seller confirmed that MI has been cancelled. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #X, with a sales price of $xxK, is closest to the subject property. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c), and (d). The loan failed the QM Safe Harbor Test threshold test due to the APR calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan had a bankruptcy discharge in xx/xx/XXXX, which is less than X years. The investor was not comfortable with that. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The settlement services provider list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Condo Questionnaire. Final CD dated xx/xx/XXXX reflects Condo Questionnaire at $XXX.XX. This is an increase fee in the amount of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Appraisal shows the subject is a condotel unit at the xx Condominium, located in xx. Subject property has amenities including XXXX. Condos are connected with the hotel XXX check-in on the XXXXth floor. XXXX search shows the subject valued at $XXXX. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* MI, FHA or MIC missing and required (Lvl 4) | MI certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | Tape shows the subject property is a non-warrantable condo. Appraisal report is as is with no damage noted. The condo questionnaire shows a special assessment of $XXXK for repairs which includes carpeting parts of the building, elevator repairs and pool resurfacing along with refunding reserves. Further details not provided. XXXX search shows the subject valued at $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the TILA PCCD coverage conflict validation test due to the loan containing multiple disclosures, including a post-consummation closing disclosure, and the data required for determining TILA coverage conflicts between the PCCD and the last disclosure given at or prior to consummation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, and any other interest rate-dependent charges and terms was not provided to the borrower within three business days. The subject loan is a refinance case originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 3: Curable | \* ROR not hand dated by borrower(s) (Lvl 3) | The ROR is not hand-dated by the borrower. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows the BWR was not employed, and the BWR's VOE was not within XX days of closing. Further details not provided. BWR defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X months on the job as a xx. BWRX has X.XX years on the job as a primary care nurse at XXXX, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the CT nonprime home loan test, as the loan is a nonprime home loan, as defined in the legislation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Appraisal Review Fee paid by Borrower: $XXX.XX<br> Document Preparation Fee paid by Borrower: $XXX.XX<br> Mortgage Broker Fee paid by Borrower: $XX,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Appraisal Review Fee paid by Borrower: $XXX.XX<br> Document Preparation Fee paid by Borrower: $XXX.XX<br> Mortgage Broker Fee paid by Borrower: $XX,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Underwriting Fee paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows a defect as an early payment default. According to payment history tape data as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. Unable to determine the last payment received. The current UPB reflected as per the tape data is $xx. As per payment history, the current UPB is $X.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d). <br> Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows excessive IPC (interested party contribution). Final CD reflects seller credit of $xxK. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the credit report fee at $XXX.XX. The CD dated xx/xx/XXXX reflects credit report fee of $XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the self-employed income is not supported, as the COVID P&L reflects declining income inconsistent with the income used to qualify. Revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X.XX years at xx, FICO XXX, XXXX in the last XX months, $XXXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the current interest rate is too low to support a refinance transaction. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX.<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and Infinity CE report show the loan exceed the point & fees threshold test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows SE income used for qualification is not supported by the required P&L and X months of business bank statements. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been xx for X.XX years at xx, FICO XXX, and $XXK equity in the subject. XXXX last XX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Loan does not conform to program guidelines (Lvl 2) | Tape shows the rate is too low to refinance. Further details not provided. The subject loan originated on xx/xx/XXXX and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by DU xx, and its recommendation is accept with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Lease agreement is missing from the loan document. Seller confirmed rental income was not used to qualify. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan closed with LTV/TLTV and HTLTV of xx%/xx%/xx%. Tape and file show the lender did not include the high-credit loan amount of $xx for the HELOC loan, resulting in the HLTV of xx% exceeding guideline limits. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects transfer taxes at $XX.XX. The CD dated xx/xx/XXXX reflects transfer taxes at $XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the rate is too low to refinance, and the subject loan lost PIW approval in the AUS when the AUS was resubmitted with the correct loan amount. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Credit | Active | 4: Unacceptable | \* AUS is missing (Lvl 4) | Final AUS is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income calculation issue. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X months on the job as a xx, FICO XXX and $X,XXX equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing in the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows employment misrepresentation by BWR and income miscalculation. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X months on the job as a xx. BWRX was qualified using an offer letter as a xx, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | The tape shows the subject loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect Points—Loan Discount Fee .The CD dated xx/xx/XXXX reflects Points—Loan Discount Fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx, and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by DU (xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the rate is too low to refinance, and the homebuyer education certificate was not HUD approved. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan was unsellable due to an error in the use of bonus entitlement, as the BWR has $X base entitlement, which cannot be restored due to retention of the existing VA property. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and Recording fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of Section C and Recording fee at $X,XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TRID Rate Lock Disclosure Delivery Date Test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and file show the loan was rejected as the appraisal expired prior to closing. Further details not provided. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the subject closed with SE income and no reserves. Lender defect. The subject loan originated on xx/xx/XXXX. BWR has been SE for XX.X years at xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, the borrower income is $xx, and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by LP (xx), and its recommendation is "Accept" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows APR increased by X.XXX% without a three-day waiting period. Infinity compliance report failed the delivery and timing test. Further details were not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects A Points—Loan Discount Fee at $X,XXX.XX. The CD dated XX/XX/XXX reflects A Points—Loan Discount Fee at $X,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | Subject loan is NOO. The tape shows the condo is not agency approved. Further details not provided. The condo questionnaire is available in the loan file. XXXX search shows an estimated value of $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | The lease agreement is missing from the loan documents |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx. BWRX has X.XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to misrepresentation. Further details were not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Tape also shows BWR income was not supported. Review shows WXs and assets docs are in file. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has XX.XX years on the job as a xx. BWRX has X month on the job as a xx, FICO XXX, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO, due to misrepresentation. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Required Documentation Missing or Incomplete (Lvl 4) | Loan approval is missing from the loan file.<br> xx/xx/XXXX : Seller confirmed, loan is commercial and loan approval is not required. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Lease agreement is missing from the loan file. Seller confirmed standalone lease agreement is not available as the lease agreement is incorporated in the security instrument. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | Subject is a manual underwritten loan. Reaching out to the seller for the guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD dated xx/xx/XXXX is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | The TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan is an HPML loan, and the appraisal ordered was not delivered X days prior to closing. Further details not provided. Infinity CE report shows the loan failed HPML test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and the Infinity CE report show the subject loan is an HPML loan, and the appraisal was not delivered X days prior to closing. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final executed CD. CE was tested based on revised CD. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Rate Lock Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Rate Lock Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and review of the file show the lender did not provide the final CD and TRID disclosure at closing. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. The Lender allowed the loan to close with Approve/Ineligible findings due to previous mortgage lates of XxXX and XxXX in the past XX months. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X months, BWR X is employed with xx for X.XX years, FICO XXX, $X,XXX residual income, and $XX.XK equity in the subject property.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan is an HPML loan, and the appraisal ordered was not delivered X days prior to closing. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM APR threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed the qualified mortgage APR threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed the qualified mortgage APR threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Subject appraisal at $xxM. Tape shows value change on appraisal. Review and XXXX show the sales price of $xxM is more likely in line with the value. Subject loan originated at $xxM. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and file show the subject loan is HPML, and the appraisal value was changed, and the revised appraisal was not delivered X days prior to closing. Loan failed the HPML test by Infinity. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test.<br>The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows the MI was cancelled due to the subject loan having a single premium LPMI that was never paid. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and Recording fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects the sum of Section C and Recording fee at $X,XXX.XX. This is a cumulative increase of $XXX.XX for charges that in total cannot increase more than XX% test. COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Legal Docs | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | Final HUD dated xx/xx/XXXX reflects escrow holdback in the amount of $XX,XXX.XX. Proof for release of escrow holdback is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Review of the AVM report shows the subject is in need of renovation. The estimated amount of repairs is $xxK. The final HUD reflects an escrow holdback of $XXK. The XXXXD report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at "xx" shows that the original note has been misplaced, destroyed or lost. A duplicate copy of the note is available in the loan file located at "xx." |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The subject is NOO and qualified using DSCR, and the net operating income statement and rent schedule are missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | BWR is an LLC. Note and mortgage were signed as a member of the LLC, not as an individual. Loan does have a personal guarantee. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | Subject loan is a DSCR loan. Reaching out to the seller for the guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Commercial Prop (Lvl 4) | Subject approved as NOO. Review of file and UT including the county records shows property is commercial. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Subject Property has been determine uninhabitable/Unsuitable to live in (Lvl 4) | According to the UT report dated xx/xx/XXXX, there is a notice of violation (Demolition) located at "xx" active against the subject property in favor of the xx County Regulatory and Economic Resources Department with case #xx for demolition or repair. The document shows property structure repair of fencing found to be unsafe in the provision of section X-X of the code of xx County and the Florida Building Code, which is recorded on xx/xx/XXXX. The cost of repair is not available. The alert note shows the possibility of demolition or property being demolished. CCs do not show any information regarding demolished property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report subject property is not a site condominium according to Fannie Mae, as the two units are attached to each other. As such, each unit would require its own parcel number. Subject loan closed as X-unit property with one legal in a condo project. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points—loan discount fee. The CD dated xx/xx/XXXX reflects points—loan discount fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Closing_Disclosure violations (Lvl 3) | As per the document tracker, the revised closing disclosure dated xx/xx/XXXX is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed the initial closing disclosure delivery date test due to the initial CD receipt date is provided and the initial closing disclosure receipt date is less than three business<br> days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%.<br>Loan failed Qualified Mortgage APR Threshold test due to APR calculated X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and Infinity CE report show the loan did not pass the QM APR test due to an APR calculated at X.XXX%, which exceeded the APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and file show the subject closed without an appraisal. PIW was lost on the final AUS run. Further details not provided. XXXX search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X months on the job as a xx. BWRX has been xx for XX years at xx, FICO XXX, XXXX in the last XX months, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved as OO at xx%. The tape shows the subject is NOO due to occupancy concern, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has XX.XX years on the job as a xx. FICO XXX and XXXX in the last XX months is correct. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test.<br>The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value of $XXXX. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO due to occupancy concern. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at xx%. Tape shows lender missed an investor overlay. Further details not provided. Lender defect. Subject originated x/xx/XX and the X year SOL has expired. BWR is on SSI and pension income. FICO XXX. XXXX last XX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows collateral defect. Review of file and UT do not show a collateral issue. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test. The subject is a purchase case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject is second home. Tape shows the subject is a condotel at the XXXX project, located in the city of xx. The project has amenities such as a swimming pool and common areas. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows collateral issue. Review of file and UT does not show a collateral issue |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 3: Curable | \* Type of Ownership is Leasehold or Cooperative (Lvl 3) | The subject loan originated on xx/xx/XXXX with a maturity date of xx/xx/XXXX. As per the lease agreement located at "xx," the ground lease is held by xx, and the leasehold expires on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | The final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X.XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows co-op property and no defects. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 3: Curable | \* Type of Ownership is Leasehold or Cooperative (Lvl 3) | An alert note of a UT report dated xx/xx/XXXX shows that the property is a unit in a co-operative. The subject loan originated on xx/xx/XXXX with a maturity date of xx/xx/XXXX. The subject leasehold agreement is in the file located at "xx," and the leasehold term expires on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows the MI was rescinded. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses, and PMI was rescinded. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR receives pension and VA benefits income. FICO XXX, and XXXX in the last XX months and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Transfer Taxes at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Transfer Taxes at $X,XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4) | Tape shows the loan closed without required PMI coverage and was never traded. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows assets did not cover reserve requirements. Bank statements in the file show $XXXK satisfies the cash-to-close requirement of $XXXK at closing. Further details not provided. Subject approved at XX%, FICO XXX, XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial closing disclosure is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TRID Rate Lock Disclosure Delivery Date Test due to a disclosure advising of the revised interest rate, points, lender credits, any other interest rate-dependent charges and terms were not provided to the borrower within three business days. The subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to the initial CD is missing from loan documents. The subject loan is a purchase case originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show mortgage documents were signed using RON (remote online notarization), and the loan amount is below the investor minimum requirement. Further details not provided. The subject loan originated on xx/xx/XXXX and XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show a first-rate change date of xx/xx/XXXX on the subject loan, which is not according to GNMA guidelines of a quarterly schedule of April, July, October, or January for the first-rate change date. Further details not provided. According to the note, the payment can adjust after every XX months after xx/xx/XXXX. Subject loan originated on xx/xx/XXXX and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. The Lender used SE average when income declined from XXXX to XXXX. Revised DTI xx%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is xx for a minimum of X years. BWR X is employed as a xx for XX.X years, FICO XXX, $X,XXX residual income, XXXX since inception.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value of $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the xx. Previously, BWRX had X.XX years on the job as a xx, FICO XXX, XXXX since inception and $X,XXX residual income. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender used rental income to qualify and the lease agreement is missing from the loan file. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for XX.X years, BWR X is employed as a xx for X months and a Xnd job with xx for X.X years, BWR X is employed xx for XX.X years and a Xnd job with xx for X.X years, FICO XXX, $X,XXX residual income, $XXX.XK reserves and $XXX.XK equity in the subject property, XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows excessive IPC (interested party contribution). Final CD reflects seller credit of $XXK. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved as OO at xx%. Tape shows subject is NOO, as the subject property was listed for rent soon after closing, causing the lender to omit the BWR primary housing expense. BWR defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx. BWRX has X.XX years on the job as a xx, FICO XXX, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, any other interest rate-dependent charges, and terms were not provided to the borrower within three business days. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to the subject property was listed for rent soon after closing. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. Tape and file show the appraisal report should be subject to repairs due to missing flooring in the kitchen, dining room, living area, bedrooms, and laundry room, as well as unfinished walls with exposed sheetrock in the living area, dining room, and laundry room. The estimated cost to cure is $X,XXX. XXXXD/completion report is missing from the loan documents, and the final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR was not employed at closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X months on the job as a xx, FICO XXX, and XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TILA PCCD coverage conflict validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | The tape and condo questionnaire in the file show the subject condo project has a planned special assessment of $xx for roof repairs and painting. The MOM of the association shows assessment is not only for roof repairs and painting but also for concrete restoration. An engineer inspection report from a licensed professional verifying the completion of repairs and structural integrity of the condo project is missing from the loan documents. Also, the questionnaire does not confirm if the HOA is involved in active litigation. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income misrepresentation. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been SE for X.XX years at xx, FICO XXX, XXXX in the last XX months, $XXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The initial LE dated xx/xx/XXXX does not reflect points - loan discount fee. The final CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows EPD; the borrower missed the first payment, triggering repurchase. The loan was XxXX and has been current since X/X/XX. Further details not provided. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Credit | Credit | Active | 3: Curable | \* Lease Agreement is missing (Lvl 3) | Lease agreement is missing from the loan file. Subject is an NOO purchase. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan is NOO and approved at xx%. Tape shows LOE missing for primary residence, supporting documents for rental income from REO properties are missing, and student loan debt was not included in the DTI calculation. Revised DTI is xx%. Further details are not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X years on the job as a xx, FICO XXX, $XXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan was disclosed with an interest-only option. Review of the file shows the executed note did not include the corresponding interest-only provision. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* MI, FHA or MIC missing and required (Lvl 4) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Mortgage Broker Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Mortgage Broker Fee at $X,XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and review of the loan file show that the subject property is a flip. The appraisal report shows the last sale was held on xx/xx/XXXX at a sales price of $xxK. As of xx/xx/XXXX, the subject property's appraised value is $xxK and the purchase price for the subject transaction that closed on xx/xx/XX is $XXXK. Review and Realtor.com shows major improvements performed on the house. Further details were not provided. A XXXX search reflects an estimated value of $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to misrepresentation as BWR never occupied the subject. Further details were not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan approved at xx%. Tape shows the subject is NOO due to income misrepresentation as BWR never occupied the subject. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has been xx for X.XX years as a xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects transfer taxes at $X,XXX. This is fee increase of $XX.XX charges that cannot increase. Valid COC for the increase in fee amount is missing in the loan documents. <br>Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and Recording fee at $XXX.XX. CD dated xx/xx/XXXX reflects the sum of Section C and Recording fee at $XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents.<br>Subject loan is purchase case, originated on xx/xx/XXXX and the SOL is X year expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD reflects cash to in the amount of $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows lender did not verify the BWR was not employed at closing and became xx after moving from MD to VA. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx. Additionally, BWRX has X.XX years on the job as an xx. BWRX has X.XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows not being completed within X months of the Xst payment date (FNMA); loan closed xx/xx/XXXX, Xst payment xx/xx/XXXX. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 3: Curable | \* Loan has escrow holdback. No proof it was released (Lvl 3) | The final CD dated xx/xx/XXXX reflects an escrow holdback in the amount of $X,XXX.XX. Proof for the release of escrow holdback is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The CD dated xx/xx/XXXX reflects the points and loan discount fee at $XXX.XX. The CD dated xx/xx/XXXX reflects points—loan discount fee at $XXX.XX. The CD dated xx/xx/XXXX reflects transfer taxes of $XXX.XX. The CD dated xx/xx/XXXX reflects transfer taxes of $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TRID rate lock disclosure delivery date test. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Virginia | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Subject NOO was approved using short term AirBNB rental program in lieu of a long term lease agreement. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Virginia | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Commercial Prop (Lvl 4) | Subject NOO was approved using short term AirBNB rental program. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% DTI. The Lender used short term (XXXX) rental income to qualify. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X.X years, BWR X is employed with xx for XX years, FICO XXX, $X,XXX residual income, $XX.XK reserves and $XX.XK equity in the subject property. XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Virginia | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows the MI was rescinded. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Rhode Island | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows that per the construction draw team, they just obtained their permits for the septic system installation in July, the project was supposed to be completed on xx/xx/XXXX. The file shows that, as per the completion report dated xx/xx/XXXX, the new septic system was installed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. The tape shows the lender did not establish the stability of the qualifying income, employment, and all other obligations, as the lender did not obtain supporting income documents. Further details not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as a xx. BWRX has been SE as a xx for X.XX years. FICO XXX,XXXX since inception. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the Appraisal Re-Inspection Fee. The CD dated xx/xx/XXXX reflects an Appraisal Re-Inspection Fee of $XXX.XX. The loan estimate dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Wisconsin | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | The tape and final CD reflect an escrow holdback in the amount of $X,XXX.XX. Proof for release of escrow holdback is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test. The subject is a purchase case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The loan fails the Qualified Mortgage Lending Policy points and fees test due to Fees charged ($X,XXX.XX) exceed the fees threshold of $X,XXX.XX. Over by +$X,XXX.XX. The below fees were included in the test:<br> Lender Doc Prep Fee paid by Borrower: $XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged ($X,XXX.XX) exceed the fee threshold of $X,XXX.XX. Over by +$X,XXX.XX. The below fees were included in the test:<br> Lender Doc Prep Fee paid by Borrower: $XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Wisconsin | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report in the file is subject to completion of repairs. The available XXXXD reflects that repair is not complete with insulation, drywall and siding. The updated XXXXD report is missing from the loan documents. The estimated cost to cure is in the amount of $X,XXX, and the final CD reflects an escrow holdback in the amount of $X,XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and file show the loan product was changed to a XX-year fixed rate between XX/XX and XX/XX, with a COC issued on the final CD to disclose the change. The initial CD dated xx/xx/XXXX reflected an ARM product, which is inconsistent with the fixed-rate product disclosed on the final CD. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. The Lender used income from a Xnd job without a X- year consecutive history. Revised DTI xx%. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X years and a Xnd job with xx for XX months, FICO XXX, $X,XXX residual income, and $XXXK equity in the subject property. XXXX since inception.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is as is; the tape shows the water/dampness in the basement. The estimated cost to cure is not available in the loan file. The XXXXD, or an engineer inspection report, is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #X with a sales price of $xxK, is closest to the subject property. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Nevada | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject loan was approved as OO. Tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit the BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has XX.XX years on the job as an xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows AUS finding invalidated due to IPCs and lack of reserves. FCD reflects a seller credit of $XX,XXX and the sales price of $XXX,XXX. AUS shows excess available assets of $X,XXX. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects points—loan discount fee at $XXX.XX. The CD dated xx/xx/XXXX reflects Points—Loan Discount Fee at $XXX.XX. This is an increase in fee of $X.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* VA insurance is not active (Lvl 4) | Tape shows the subject loan is not insured. The subject loan closed without monthly MI and VA funding fee. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR does not have any entitlement for the subject loan, as the loan amount is $xxK, which is less than the minimum required of $xxK. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape shows lender did not obtain an appraisal and closed loan as PIW. A post close appraisal inspection could not be performed as the BWR was in middle of a remodel work. Inspection report verifying the completion of remodeling work is missing from the loan documents. XXXX search shows an estimated value of $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the updated post-consummation CD, IEAD, and first payment letter were not executed by the borrower within the required timeframe. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Cash out purchase (Lvl 3) | The subject loan is a purchase case. The final CD dated xx/xx/XXXX reflects cash to in the amount of $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The appraised value of $xx appears to be high compared to the current Redfin value of $xx and the XXXX value of $xx. According to the appraisal report, the property is mainly used for private horse boarding and care, with XX stalls and a leased arena. The horse barn is used for hobby and private boarding purposes. XXXX and Redfin do not reflect any commercial use of the property. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved as NOO at xx%. Tape shows rental income used for qualification is not supported by lease, tax returns and comparable rent schedule. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has X.XX years on the job as an xx. BWRX has X.XX years on the job in xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows the investor disagrees with the fact that BWR's business was reinstated in XXXX, and bank statements and the Secretary of State confirmed evidence of the business being reinstated and operational from the past year. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL is active. BWR has been xx for X.XX years at xx, FICO XXX, XXXX since inception and $XXXK equity in the subject. Review shows ATR confirmed |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to decrease in lender credit on final CD dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX does not reflect lender credit. Final CD dated xx/xx/XXXX reflect lender credit at $X,XXX.XX. This is decrease of $X,XXX.XX for fee which has X% tolerance test. Subject loan is a purchase, originated on xx/xx/XXXX and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. The Lender miscalculated SE income. Revised DTI xx%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is xx for X.X years and xx for X.XX years, BWR X is employed with xx for X.X years and SE in xx for X.X years, FICO XXX, $X,XXX residual income, $XXXK reserves and $XXX.XK equity in the subject property. XXXX since inception.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Maryland | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Transfer Taxes at $XXX.XX. Final CD dated xx/xx/XXXX reflects Transfer Taxes at $X,XXX.XX. This is an increase fee in the amount of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject loan closed as a VA cash-out refinance with xx% LTV with a term of XXX months. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows short reserves and funds to close. The bank statement in file shows $XXXK in assets, satisfying the cash-to-close requirement of $XXXK and the reserve requirement of $XXK. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | The lease agreement document is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Minnesota | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | The subject was approved as second home. Tape shows XXXX report shows the subject property is listed for rent. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TRID Rate Lock Disclosure Delivery Date Test. Subject loan is a purchase, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape and file show no credit score non-traditional credit obtained and show that there were late payments; therefore, the loan is not eligible for sale to FNMA. Further details not provided. The subject loan originated on xx/xx/XXXX. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Pennsylvania license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | Credit report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject was previously used as a mental health facility, with the business operational through XXXX and dissolved in XXXX. Appraisal confirmed property is no longer used in the former capacity. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial CD dated xx/xx/XXXX reflects lender credit at $XXX.XX. Final CD dated xx/xx/XXXX reflects the lender credit at $X.XX. This is a decrease of +$XXX.XX for a fee that has a X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the loan did not meet the required timing for disclosure of a product change. The loan was closed on xx/xx/XXXX, and the final CD was signed on xx/xx/XXXX. The file should have provided a revised CD with the date xx/xx/XXXX and failed to meet the three-business-day waiting period. Infinity compliance report shows the loan did not fail the X-day waiting period test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* AUS is missing (Lvl 4) | The AUS report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed the qualified mortgage interest-only test due to the loan is an interest-only loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TRID rate lock disclosure delivery date test due to a disclosure advising of the revised interest rate, points, lender credits, any other interest rate-dependent charges, and terms was not provided to the borrower within three business days. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Arizona | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and the manufactured document attached to the recorded mortgage located at "xx" state that the manufactured home with serial #xx has been affixed to the permanent foundation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Arizona | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject loan is not FHA insured. PH shows MI is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the AUS lost underwriting eligibility requirements. After removing the positive rental history, it does not meet FHA manual underwriting eligibility requirements. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed charges that cannot increase the X% tolerance test. The initial loan estimate dated xx/xx/XXXX reflects points - loan discount fee $X,XXX.XX. The final CD dated xx/xx/XXXX reflects points - loan discount fee $X,XXX.XX. The initial loan estimate dated xx/xx/XXXX does not reflect an appraisal review fee. The final CD dated xx/xx/XXXX reflects an appraisal review fee of $XXX.XX. The initial loan estimate dated xx/xx/XXXX does not reflect the purchase review fee. The final CD dated xx/xx/XXXX reflects a purchase review fee of $XXX.XX. The initial loan estimate dated xx/xx/XXXX reflects a tax service fee of $XX.XX. The final CD dated xx/xx/XXXX reflects a tax service fee of $XX.XX. This is a cumulative increase in fees of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 3: Curable | \* Loan program disclosure missing or unexecuted (Lvl 3) | Tape and file show the ARM loan program disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx, FICO XXX, XXXX since inception, $X,XXX residual income, and $XXXK equity in the subject.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the interest-only payments were not calculated in the qualifying payment for XX-year amortization of the subject loan. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Washington | xx | Credit | AUS | Active | 4: Unacceptable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 4) | The AUS report at the origination time is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is aged more than X months from the first payment date, and the new buydown form has been updated under the new loan product effective X/X. File shows the subject loan closed with a X-year buydown with the rate increasing in X steps from X.XXX% to X.XXX%. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows continuity of the income used for qualification from RSU was not established. Lender defect. The subject originated on xx/xx/XXXX, and the X-year SOL is active. BWR has X.XX years on the job as a xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. Review shows ATR confirmed. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case that originated on xx/xx/XXXX, and the SOL is X years expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | North Carolina | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows the MI on the subject loan has been rescinded due to the LPMI premium not being paid within XX days. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TRID rate lock disclosure delivery date test.<br>This loan failed the TILA finance charge test. The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate as it is understated by more than -$XXX.XX. The loan failed the TILA foreclosure rescission finance charge test due to calculated finance charge of $XXX,XXX.XX exceeds the disclosed finance charge of $XXX,XXX.XX by -$XXX.XX. <br>The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test.<br> The subject loan is a purchase case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and in-file appraisal reports show the project does not meet FNMA eligibility requirements, as the pool, parking deck, and fitness center are under contract for repairs. The XXXXD, or an engineer inspection report, is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)) due to the APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d). The loan failed the QM Safe Harbor Test threshold test due to the APR being calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM- TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and file show the subject loan is HPML, and the appraisal was not delivered X days prior to closing. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject condo project is ineligible for both Fannie and Freddie due to needed repairs, such as replacing the stairs on the building, not yet completed. Condo questionnaire shows repairs have been completed on the subject building, and the work is overseen and approved by a structural engineer and XXXX code enforcement. An inspection report by a licensed professional verifying the completion of the stairs work and the structural soundness of the subject building is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D)). Subject is a purchase loan and X year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Appraisal report is subject to the completion of new construction. XXXXD available in the loan file shows the home is XXX% completed, but grading, drainage, and landscaping are incomplete. The estimate to complete landscaping is $XXXX. The final XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Reaching out to the seller to verify active MI status. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* MI, FHA or MIC missing and required (Lvl 4) | The file shows the MI certificate from XXXX, which shows the entire premium paid by BWR, and the final CD shows the MI premium paid to XXXX and the MI premium paid by the buyer and seller. A corrected copy of the MI certificate or the final CD reflecting the MI premium details is missing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Reaching out to the seller to verify active MI status. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the initial CD is missing from the loan file as per the disclosure tracking summary. Further details not provided. Infinity did not test CE, as the subject loan is NOO. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XX,XXX.XX exceeding the disclosed finance charge of $XX,XXX.XX by -$XXX.XX. The loan failed the TILA foreclosure rescission finance charge test due to calculated finance charge of $XX,XXX.XX exceeds the disclosed finance charge of $XX,XXX.XX by -$XXX.XX. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows loan did meet seasoning requirements for VA IRRRL transaction. In VA refinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The TRID violation is due to a decrease in lender credit on the closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects lender credit at $X,XXX.XX; the final CD dated xx/xx/XXXX reflects lender credit at $X.XX. This is a decrease of +$X,XXX.XX for a fee which has a X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points - loan discount fee. The CD dated xx/xx/XXXX reflects points - loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, the borrower income is $xx, and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by LP (xx), and its recommendation is "Accept" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | The final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects lender credit at $XX,XXX.XX; the final CD dated xx/xx/XXXX reflects the lender at $XX,XXX.XX. This is a decrease of -$XX.XX for a fee that has a X% tolerance test. Loan failed the charges that in total cannot increase more than XX% tolerance test. The LE dated xx/xx/XXXX reflects the sum of Section C fees and recording fees at $X,XXX.XX. The CD dated xx/xx/XXXX reflects the sum of Section C and the recording fee at $X,XXX.XX. This is a cumulative increase of $XXX.XX for charges that in total cannot increase more than XX%. COC for the increase in fee is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is not signed by the borrower. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* MI, FHA or MIC missing and required (Lvl 4) | VA loan guaranty certificate is missing from the loan documents.<br> xx/xx/XXXX The seller commented as loan disclosed on bid tape as Uninsured VA loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Credit | Active | 4: Unacceptable | \* VA insurance is not active (Lvl 4) | The tape shows the subject loan is not VA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows that the loan does not satisfy VA refinance seasoning, as there should be a waiting period or gap between the XXX-day first payment date of the existing mortgage, which is being paid off, and the closing of our new subject loans in VA refinance loans. The waiting period is not met in this loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan amount being calculated using the appraised value on a property that was acquired within XX months of the case assignment date of refinance. Subject originated xx/xx/XX. UPB $xxK. XXXX shows estimated value of $XXXK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the this loan failed charges that cannot increase the test. Further details not provided. The Infinity CE report shows the loan did not fail charges that cannot increase the test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | The tape shows the subject loan is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Tape and file show the final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show credit and underwriting documents are missing. Further details not provided. The subject loan originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as the final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the tape defect, lender had only a title commitment and was missing the final title. The final title policy is located at xx. Further details are not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU xx, and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at xx shows that the original note has been misplaced, destroyed or lost. A duplicate copy of the note is available in the loan file located at xx. Tape shows there is a lost note affidavit with a copy of the executed note. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects Points—Loan Discount Fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects Points—Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID Rate Lock Disclosure Delivery Date Test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is ineligible for FHLMC no cash-out refinance, as the borrower was not on the existing mortgage, was not on the title for the most recent XX months, and did not meet the requirements. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, the borrower income is $xx, and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by LP (xx), and its recommendation is "Accept" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | The final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan document. XXXX search shows an estimated value of $xxM. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows this loan failed the charges that cannot increase the test. Missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. The infinity compliance report shows the loan did not fail the X% tolerance test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed the loan origination fee test due to the fee charged is $X,XXX.XX, exceeding the fee threshold of $X,XXX.XX by +$XXX.XX. The following fees were included in this test:<br> Compensation paid by Borrower: $X,XXX.XX<br> HOA Demand Fee paid by Borrower: $XXX.XX<br> Home Warranty paid by Borrower: $XXX.XX<br> Title Closing protection letter paid by Borrower: $XX.XX<br> Wire Transfer Fee paid by Borrower: $XX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | Initial LE is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete, as the initial LE and initial CD are missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at "xx" shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at "xx." The tape shows the files contain a lost note affidavit with a copy of the executed note. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Doc Issue | Active | 3: Curable | \* Condo / PUD rider Missing (Lvl 3) | The subject property type is PUD. PUD rider is missing from the loan documents. Tape shows the mortgage/security instrument does not include a PUD rider. The title policy reflects the subject is a PUD rider, which is missing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and file show the initial LE and CD are missing from the loan file, and no evidence was found that the LE was issued within X business days of the application date and the initial CD was delivered X business days prior to consummation. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject did not meet the VA XXX-day seasoning period. Subject closed on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Credit | Active | 4: Unacceptable | \* VA insurance is not active (Lvl 4) | The tape shows the subject loan is not VA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value of $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XX,XXX.XX exceeding the disclosed finance charge of $XX,XXX.XX by $XXX.XX.<br>The loan failed the TILA foreclosure rescission finance charge test due to the calculated finance charge of $XX,XXX.XX exceeding the disclosed finance charge of $XX,XXX.XX by $XXX.XX.<br>The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet the seasoning period requirement for a VA cash-out refinance. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is not signed by the borrower. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet the VA IRRRL seasoning requirement. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed the FHA QM safe harbor threshold test due to the APR calculated at X.XXX% and the comparison data of the APR threshold at X.XXX%, which is under variance by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Loan does not conform to program guidelines (Lvl 2) | Tape shows the FHA connection or active MI coverage status is missing from the loan documents. Further details not provided. Subject loan originated on xx/xx/XXXX and FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX.XX%, as the borrower's income is $X,XXX.XX and total expenses are in the amount of $X,XXX.XX. The loan was underwritten by DU (Locator XXXXXXXXXX.pdf#XX) and its recommendation is Approve/Eligible with a DTI of XX.XX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | The tape shows the subject loan is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> Mortgage Broker Fee (Indirect) $X,XXX.XX.<br>Loan failed FHA QM rebuttable presumption test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> Mortgage Broker Fee (Indirect) $X,XXX.XX.<br>Loan failed qualified mortgage lending policy points and fees test due to fees charged $X,XXX.XX exceeds the fees threshold of $X,XXX.XX over by +$XXX.XX.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $XXX.XX<br> Mortgage Broker Fee (Indirect) $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has single insurance premium. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet the VA IRRRL seasoning requirement. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Reaching out to seller to verify active MI status. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX.<br> Loan estimate dated xx/xx/XXXX does not reflect Appraisal Fee. CD dated xx/xx/XXXX reflects Appraisal Fee at $XXX.XX.<br> This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Loan program disclosure missing or unexecuted (Lvl 3) | The subject loan was originated with the lender "xx." Tape shows the missing endorsement from xx, to xx and the missing xx to JG xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan does meet the seasoning period requirements for a streamline refinance. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | The tape shows the subject loan is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and the Infinity CE report show the subject loan failed the charges that in total cannot increase more than XX% test. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and Recording fee at $XXX.XX. CD dated xx/xx/XXXX reflects the sum of Section C and Recording fee at $X,XXX.XX. This is a cumulative increase of $X.XX for charges that in total cannot increase more than XX% test. Valid COC for the increase in fee is not available.<br>The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | The final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX reflects Appraisal Fee at $XXX.XX. Final CD dated xx/xx/XXXX reflects Appraisal Fee at $XXX.XX.<br> Loan estimate dated xx/xx/XXXX reflects Appraisal Re-Inspection Fee at $XXX.XX. Final CD dated xx/xx/XXXX reflects Appraisal Re-Inspection Fee at $XXX.XX.<br> Loan estimate dated xx/xx/XXXX does not reflect Appraisal Review Fee. Final CD dated xx/xx/XXXX reflects Appraisal Review Fee at $XX.XX.<br> This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and file show the subject loan's initial application date is xx/xx/XXXX, as the mortgage broker had issued LE and SSPL dated xx/xx/XXXX. The loan closed with the initial application on xx/xx/XXXX, and the initial LE and other initial disclosures were not delivered to the BWR within X business days of the initial application date. The subject loan is a purchase transaction that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows the subject loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (Loan File - xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the points—loan discount fee at $XXX.XX. CD dated xx/xx/XXXX reflects points—loan discount fee at $X,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is not FHA insured due to the BWR having an additional active FHA loan at the time of origination. Further details not provided. Subject loan originated on xx/xx/XXXX and FICO XXX.<br>The seller's tape data shows the title policy is short form; the date of the policy does not match the date of the meeting recording, nor does it include the "whichever date is later" language. As per the short form policy located at "xx," the date of the policy was xx/xx/XXXX, which is the mortgage recording date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing flood cert (Lvl 2) | Flood certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final CD is missing from the loan documents. Tape shows file missing CDs.<br>xx/xx/XXXX:Seller confirmed CD is missing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. ATR could not be determined as XXXX, AUS, loan approval and income documents are missing from the loan file. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX and BWRX have been SE for XX.XX years at xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | Initial LE is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and file show missing TRID disclosures, including all initial disclosures, loan estimates, applicable written COCs, and closing disclosures. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | AUS | Active | 4: Unacceptable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 4) | AUS report is missing from the loan documents.<br>xx/xx/XXXX:Seller confirmed AUS is not available. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Credit | Active | 4: Unacceptable | \* VA insurance is not active (Lvl 4) | Tape shows the subject loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4) | Home is not affixed. As per the appraisal report, which is located at xx, the subject property type is a manufactured home. The ALTA X endorsement is not attached to the final title policy. The legal description attached to the subject mortgage does not show the VIN or serial number. The affidavit of affixation is not available to confirm whether the mobile home is affixed to a permanent foundation.As per the seller's response, disagree with the finding; the property appears to be affixed to the land. The appraisal states it is an "encaptured M/H," which by definition means an "encaptured," or more commonly, a permanently affixed or anchored manufactured home, refers to a factory-built dwelling that has been legally and structurally converted into real property by attaching it permanently to a foundation on land owned by the homeowner. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by AUS/DU (Locator# xx) and its recommendation is "Approve/Eligible" with xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is not eligible for VA insurance since the BWR has $X.XX entitlement remaining. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XX,XXX.XX exceeding the disclosed finance charge of $XX,XXX.XX by -$XXX.XX. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan fails the Loan Origination Fee Test due to Fees charged $X,XXX.XX exceed the fee threshold of $X,XXX.XX by +$XXX.XX. The below fees were included in the test: Application Fee paid by Borrower: $X,XXX.XX Attorney's Fee (Closing Agent Only) paid by Borrower: $XXX.XX Tax Service Fee paid by Borrower: $XX.XX Title-Title Services paid by Borrower: $XXX.XX The loan failed prohibited fees test. The below fee was included in the test: Attorney's Fee (Closing Agent Only) paid by Borrower: $XXX.XX |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and Infinity CE report show the subject loan failed charges that cannot increase at X%; missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance; and missing a revised disclosure issued within three days of the rate lock date of xx/xx/XXXX and the change of circumstance reflecting an increase to discount points. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and file show no appraisal, as the subject loan closed without an appraisal report. PIW disclosure is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | Tape and review of the loan file show a lost note affidavit available in the loan files with a copy of the executed note. The lost note affidavit available in the file located at "xx" shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX reflect a point- loan discount fee at $X,XXX.XX. CD dated xx/xx/XXXX reflect a point- loan discount fee at $X,XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and recording fee at $XXX.XX. CD dated xx/xx/XXXX reflects the sum of Section C and recording fee at $X,XXX.XX. This is a cumulative increase of $XXX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX. This is an increase in fee of $XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance originated on xx/xx/XXXX and the SOL is X years. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/XXXX. The initial LE dated xx/xx/XXXX reflects lender credit at $X,XXX.XX; the final CD dated xx/xx/XXXX reflects the lender at $X,XXX.XX. This is a decrease of -$XXX.XX for a fee that has a X% tolerance test. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Credit | Active | 3: Curable | \* VA insurance is not active (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows loan did not meet seasoning requirements for VA IRRRL transaction. In VA refinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. <br>Loan failed TILA foreclosure recession finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XX.XX. <br>TRID total of payment disclosed on final CD as $XXX,XXX.XX. Calculated total of payments is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate due to it is understated by more than $XXX.<br>The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the Points - Loan Discount Fee at $XX,XXX.XX. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XX,XXX.XX. This is an increase in fee of +$X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower income is $XX,XXX.XX and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (xx), and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the borrower placed a security freeze on the credit report and has no access to the FICO score. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Credit | Active | 4: Unacceptable | \* VA insurance is not active (Lvl 4) | The tape shows the subject loan is not VA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test.<br> The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject did not meet the VA XXX-day seasoning period. Subject closed on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show credit and underwriting documents are missing. Further details not provided. Subject loan originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and file show all RESPA and TILA disclosures are missing and compliance testing is incomplete. CE was tested using the settlement statement available in the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as the final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | South Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial XXXX signed by loan originator is missing from the loan files. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at "xx"shows that the original note has been misplaced, destroyed or lost. A duplicate copy of the note is available in the loan file located at "xx." The tape defect shows as the image file contains a lost note affidavit with a copy of the executed note. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is not compliant with regulation XXXX.XX(b), (c), and (d). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID Rate Lock Disclosure Delivery Date Test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan failed the Qualified Mortgage Safe Harbor threshold test due to the APR calculated at X.XXX% exceeding the APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan did not meet seasoning requirements for an FHA streamline refinance. Further details not provided. The subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject loan is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test. Subject loan is refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows in VA IRRRL streamline refinance loans, there should be a waiting period, or gap, of XXX days between the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. On this loan, the waiting period is not satisfied. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects the Points - Loan Discount Fee at $X,XXX.XX. The CD dated xx/xx/XXXX reflects the Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of +$X.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (Locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and file show no appraisal, as the subject closed without an appraisal report and the PIW disclosure signed by the borrower is missing. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows loan not eligible for FHA-insured as the appraisal being expired prior to closing. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID Rate Lock Disclosure Delivery Date Test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Initial LE dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan, and the full amount for MI is charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Tape and file show the evidence of BWR receipt for the revised CD is missing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Credit | Active | 4: Unacceptable | \* VA insurance is not active (Lvl 4) | Tape shows subject VA loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* MI, FHA or MIC missing and required (Lvl 4) | VA loan guaranty certificate is missing from the loan document.<br> xx/xx/XXXX The seller commented as loan disclosed on bid tape as Uninsured VA loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the VA loan guaranty certificate is missing from the loan file, and MI was refunded, as the loan is uninsured due to the veteran's prior VA IRRRL loan. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Tape and file show the initial CD and any corresponding documentation are missing, along with a revised LE and COC issued within three business days reflecting the change in loan program from USDA to Conventional. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at "xx" shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at "xx." The tape shows a defect, as the file contains a lost note affidavit with a copy of the executed note. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is not eligible as a VA-insured mortgage due to the veteran being removed from the loan. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Credit | Active | 4: Unacceptable | \* VA insurance is not active (Lvl 4) | The tape shows the subject loan is not VA insured.<br>xx/xx/XXXX Seller commented as loan disclosed on bid tape as uninsured VA loan. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* MI, FHA or MIC missing and required (Lvl 4) | VA loan guaranty certificate is missing from the loan document. Tape shows subject VA loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value at $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the loan was underwritten to FNMA as the loan closed with an appraisal waiver. As per the updated DU and LP findings, a full appraisal is required due to the subject property being NOO. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Lease agreement is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Credit | Active | 4: Unacceptable | \* VA insurance is not active (Lvl 4) | Tape shows the subject loan is VA not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeding the disclosed finance charge of $XXX,XXX.XX by -$XXX.XX. <br>The loan failed the TILA foreclosure rescission finance charge test due to calculated finance charge of $XXX,XXX.XX exceeds the disclosed finance charge of $XXX,XXX.XX by -$XXX.XX. <br>The TRID total of payment disclosed on the final CD is $XXX,XXX.XX. The calculated total of payments is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate and it is understated by more than $XXX.<br>The subject loan is refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan was not eligible for VA insurance due to not meeting the VA IRRRL net tangible benefit requirements and the interest rate not decreasing by at least X.XX%. The loan is insured by VA per XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Credit | Active | 4: Unacceptable | \* AUS is missing (Lvl 4) | AUS report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx, and total expenses are in the amount of $X,XXX.XX. AUS at closing is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and Infinity CE show the subject loan failed the QM points and fees test, HPML, and safe harbor. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. This loan is compliant with regulation XXXX.XX(b), (c) and (d).<br>The loan failed the qualified mortgage safe harbor threshold due to the APR calculated at X.XXX%, which exceeds the APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Credit | Active | 4: Unacceptable | \* Lease Agreement is missing (Lvl 4) | Lease agreement is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show subject did not meet the VA XXX-day seasoning period for IRRRl. Subject closed xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Credit | Credit | Active | 4: Unacceptable | \* VA insurance is not active (Lvl 4) | The tape shows the subject loan is not VA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | The loan fails the compliance delivery and timing test for the CD dated xx/xx/XXXX. The document tracker is missing, and X business days were added to get the receipt date of xx/xx/XXXX, which is on the consummation date of xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The tape and file show the subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value at $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D)) A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate-dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx/xx/XXXX, xx/xx/XXXX, and xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired.<br>Loan failed charges than in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and Recording fee at +$X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of Section C and Recording fee at $X,XXX.XX. This is a cumulative increase of $XX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents.<br>TRID Violation due to decrease in Lender Credit on Post CD dated xx/xx/XXXX. Initial CD xx/xx/XXXX reflects Lender Credit at $XXX.XX. Post CD dated xx/xx/XXXX reflects Lender Credit at $XXX.XX. This is decrease of $XX.XX for fee which has X% tolerance test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | In VA refinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and file show the final executed CD is missing page X of X and CE was tested using initial CD. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 1: Acceptable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 1) | \*\*\* Duplicate Finding \*\*\* |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test.<br> The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect points—loan discount fee. The CD dated xx/xx/XXXX reflects Points—Loan Discount Fee at $X,XXX.XX.<br> The loan estimate dated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. The CD dated xx/xx/XXXX reflects transfer taxes at $X,XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID Rate Lock Disclosure Delivery Date Test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c), and (d). The loan failed the QM Safe Harbor Test threshold test due to the APR being calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. The loan failed the FHA QM Safe Harbor Test threshold test due to the APR being calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and Infinity CE report show the loan failed the APR test due to an APR calculated at X.XXX%, which exceeds the APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | The tape shows the subject loan is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and Infinity compliance report shows the subject is an HPML loan and fails the QM safe harbor threshold test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | Subject is a manually underwritten loan. Reaching out to the seller for the guidelines.<br>xx/xx/XXXX: Seller confirmed that seller does not have guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)) as an APR calculated at X.XXX% exceeds the APR threshold of X.XXX% by +X.XXX%. This loan is compliant with regulation XXXX.XX(b), (c) and (d). The loan failed the CA AB XXX higher-priced mortgage loan test due to an APR calculated at X.XXX% exceeding the APR threshold of X.XXX% by +X.XXX%. The loan failed the qualified mortgage safe harbor threshold due to the APR calculated at X.XXX%, which exceeds the APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX. The loan is manually underwritten. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income miscalculation. Further details were not provided. Lender defect. The subject loan was originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as an xx, FICO XXX, and XXXX in the last XX months. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value at $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX reflects Transfer Taxes at $XX.XX. The CD dated xx/xx/XXXX reflects Transfer Taxes at $XX.XX. This is an increase in fee of +$XX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TILA finance charge test. Finance charge disclosed on final CD as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject mortgage was originated on xx/xx/XXXX by the borrower xx, which was recorded on xx/xx/XXXX. As per the short form policy located at "xx," the date of the policy was xx/xx/XXXX, which is before the mortgage recording date. The tape defect shows the short-form policy is dated as the date of the subject mortgage, and it does have the language "or recording date, whichever is later." |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and the infinity compliance report show the loan failed the X% tolerance tests and did not provide a reimbursement amount to cure. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet the VA IRRRL seasoning requirement. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Credit | Credit | Active | 4: Unacceptable | \* VA insurance is not active (Lvl 4) | Tape shows the subject loan is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on CD dated xx/xx/XXXX. Initial LE dated xx/xx/XXXX reflects lender credit at $XXX.XX. Final CD dated xx/xx/XXXX reflect lender credit at $XXX. This is decrease of -$XXX, for fee which has X% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA APR test because the calculated APR of X.XXX% exceeds the APR threshold of X.XXX% variance by - X.XXX%. The loan failed the TILA finance charge test due to the finance charge disclosed on the final CD as $XXX,XXX.XX. The calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XX,XXX.XX. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test.<br> The initial loan estimate dated xx/xx/XXXX does not reflect an appraisal re-inspection fee. The final CD dated xx/xx/XXXX reflects an appraisal re-inspection fee of $XXX.XX. The initial loan estimate dated xx/xx/XXXX does not reflect an appraisal review fee. The final CD dated xx/xx/XXXX reflects an appraisal review fee of $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/XXXX, and the X-year SOL has expired.<br>This loan failed the initial closing disclosure delivery date test due to the initial CD being dated xx/xx/XXXX. The document tracker is missing, and X business days were added to get receipt date xx/xx/XXXX, which is less than six business days before the consummation date of xx/xx/XXXX.<br>This loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows loan failed revised LE, initial CD, and PCCD delivery date test. The Infinity compliance report failed the delivery and timing test. Further details were not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | Subject loan is a manually underwritten loan. Reaching out to the seller for the guidelines.<br>xx/xx/XXXX: Seller confirmed that seller does not have guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Credit | Active | 3: Curable | \* VA insurance is not active (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows in VA IRRRL streamline refinance loans, there should be a waiting period, or gap, of XXX days between the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. On this loan, the waiting period is not satisfied. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows subject is not insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that in total cannot increase more than XX% tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and Recording fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects the sum of Section C and Recording fee at $X,XXX.XX. This is a cumulative increase of $XXX.XX for charges that in total cannot increase more than XX% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated xx/xx/XXXX reflects cash to in the amount of $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender could not verify BWR employment status at closing. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a xx, FICO XXX, XXXX in the last XX months, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan document. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The initial closing disclosure receipt date of xx/xx/XXXX is less than three business days before the consummation date of xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TILA finance charge test. Finance charge disclosed on the final CD is $XX,XXX.XX. Calculated finance charge is $XX,XXX.XX for an under disclosed amount of -$XXX.XX. The subject loan is a refinance case that originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the tape defect, the co-borrower's middle name is spelled out on the title policy, whereas only the middle initial appears on the original title. This is now being corrected. According to the final title policy, the borrowers are listed as xx. The updated title report reflects the borrower names as xx. The amended title policy located at "xx" shows the borrowers as xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed PA license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet the VA IRRRL seasoning requirement. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan and full amount for MI charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | In VA refinance loans, there should be a waiting period or gap between the XXX-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at "xx" shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at "xx." As per the tape defect, the image file contains a lost note affidavit dated xx/xx/XXXX with a copy of the executed note. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Proof of hazard insurance is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value at $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. <br> Loan estimate dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $XXX.XX.<br> Loan estimate dated xx/xx/XXXX does not reflect Rate Lock Fee. CD dated xx/xx/XXXX reflects Rate Lock Fee at $X,XXX.XX.<br> This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows only a title commitment was provided, and a final title policy has not been issued. A corrected title policy is being obtained. The short form policy is available in the loan file located at "xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | New York | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Reaching out to the seller to verify active PMI status. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | New York | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. ATR could not be determined as XXXX, AUS, and loan approval are missing from the loan documents. Further details not provided. Lender defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as a xx. BWRX has X.XX years on the job as a xx. Additionally, BWRX has X.XX years on the second job as a xx, XXXX in the last XX months, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | New York | xx | Credit | Credit | Active | 4: Unacceptable | \* AUS is missing (Lvl 4) | AUS report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | New York | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the New York subprime home loan initial GFE disclosure date validation test due to the loan has a closing date on or after February XX, XXXX, and the initial GFE disclosure date was not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* AUS is missing (Lvl 4) | AUS is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed TRID total of payments test due to charge $XXX,XXX.XX allow $XXX,XXX.XX less by -$XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA foreclosure rescission finance charge test due to finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$XX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet the VA IRRRL seasoning requirement. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | VA loan analysis is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | Final CD reflects closing date as xx/xx/XXXX. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/XXXX. Note date is xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show subject did not meet the VA XXX-day seasoning period. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed the Veterans Affairs Loan Origination Fee test due to fees charged $X,XXX.XX exceed fees threshold of $X,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Settlement or Closing Fee paid by Borrower: $XXX.XX<br> Property Taxes paid by Borrower: $X,XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows no file deficiency comments found during file review. Further details are not provided. The loan originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan, and the full amount for MI is charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$X,XXX.XX. Loan failed TILA foreclosure rescission finance charge test due to finance charge disclosed on final TIL as $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX for an under disclosed amount of -$X,XXX.XX. Loan failed TILA APR test due to APR disclosed on final TIL as X.XXX%. Calculated APR is X.XXX% for an under disclosed APR of - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows the subject loan is not insured. PH shows MI is active. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan did not meet seasoning requirements for a VA IRRRL transaction. Further details not provided. Subject originated on xx/xx/XXXX. FICO XXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The subject loan has a single-premium MI plan, and the full amount for MI is charged at closing. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Credit | Credit | Active | 4: Unacceptable | \* Guideline is missing (Lvl 4) | Subject loan is a manually underwritten loan. Reaching out to the seller for the guidelines.<br>xx/xx/XXXX: Seller confirmed that seller does not have guidelines. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows the subject loan is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Credit | Credit | Active | 4: Unacceptable | \* Lost Note Affidavit (Lvl 4) | The lost note affidavit available in the file located at "xx" shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at "xx." Tape shows defect as loan file contains LNA with a copy of executed note. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the file contains a lost note affidavit with a copy of the executed note; income, asset, credit, and lender approval documentation are missing with no origination documents available; no current credit score is available due to no recent reported account information; and required RESPA and TILA disclosures, including the final TIL, are missing. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | Pre-QM | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-X, along with the itemization of fees and the estimated HUD-X, is missing from the loan documents.<br>xx/xx/XXXX: Seller confirmed that HUD was disclosed as missing in the bid tape. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, the borrower income is $xx, and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by LP (Locator #xx). pdf_Pg#xx), and its recommendation is "Accept" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. "XXXX search shows an estimated value at $XM. Current UPB: $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a) (X)) due to an APR calculated at X.XXX% exceeds APR threshold of X.XXX% over by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c) and (d).<br>Loan failed the qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows "xx, rather than the lender, xx. The short-form policy is not dated the same date as the mortgage recording; it includes language for the date of the mortgage recording, whichever is later. The short form policy is located at xx and shows the policy date is xx/xx/XXXX with language for the date of the mortgage recording, whichever is later, and provided the policy reflects the name of the insured as xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Pennsylvania license validation test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test.<br> The subject loan is a refinance case, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. Loan estimate dated xx/xx/XXXX does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. This is an increase in fee of $X,XXX.XX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test. Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows no evidence of lender documentation addressing the risk class caution required by Freddie Mac guidelines. LP in file shows a risk class of caution with a DTI of xx%. Further details not provided. Subject loan originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows the lender did not address the uncleared CAIVRS alert and did not document evidence of debts being satisfied. Further details not provided. Lender defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWRX has X.XX years on the job as a xx, BWRX has XX.XX years on the job as an xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (xx), and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | The tape shows the subject loan is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows that the property needs repairs for the bedroom ceiling. The estimated cost of repairs is not available. XXXXD is missing from the loan document, and the final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The total TRID payment disclosed on the final CD is $XXX,XXX.XX. The calculated total of payments is $XXX,XXX.XX for an under disclosed amount of -$XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate. It is understated by more than $XXX. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date is less than three business days before the consummation date. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. XXXX search shows an estimated value at $XXXK. The current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is in the Xnd Lien Position. Xnd Lien No Title Policy Needed. Further details not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the calculated finance charge of $XX,XXX.XX exceeding the disclosed finance charge of $XX,XXX.XX by -$XXX.XX. The loan failed the TILA foreclosure rescission finance charge test due to calculated finance charge of $XX,XXX.XX exceeds the disclosed finance charge of $XX,XXX.XX by -$XXX.XX. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)) due to an APR calculated at XX.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c), and (d). The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated, XX.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing flood cert (Lvl 2) | The flood certificate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete due to the initial CD is missing from the loan documents. The subject is a refinance case originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | The final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Rebuttable Presumption - defined by loan findings (Lvl 2) | Loan failed the FHA QM Rebuttable Presumption Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $XXX.XX<br> Document Preparation Fee paid by Borrower: $XX.XX<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete, as the initial LE and CD are missing from loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the SOL is X-year has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial closing disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $XXX.XX<br> Document Preparation Fee paid by Borrower: $XX.XX<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $XX,XXX.XX exceed fees threshold of $XX,XXX.XX over by +$X,XXX.XX.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $XXX.XX<br> Document Preparation Fee paid by Borrower: $XX.XX<br> Points - Loan Discount Fee paid by Borrower: $XX,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan failed the FHA qualified mortgage safe harbor threshold test due to APR calculated at X.XXX% exceeds the APR threshold of X.XXX% over by - X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing required 1-4 family rider (Lvl 2) | The X-X family rider is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | Initial loan estimate is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the New York subprime home loan initial loan estimate delivery date validation test due to the initial loan estimate delivery date was not provided. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. The improvement and the photo addendum of the appraisal report show a portion of the subject site has a strong aroma of manure and ceiling damage from a leaking evaporative cooler. The estimated cost to cure is $XXK. XXXXD is missing from the loan documents, and the final CD does not reflect the escrow holdback. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Valuation | Property | Active | 3: Curable | \* Subject property is a manufactured home (Lvl 3) | The tape shows the property is a mobile home. The home is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation and manufactured home rider attached to the recorded mortgage located at "xx" reflect that the home is affixed permanently to the land with serial no. # xx. Schedule B of the final title policy located at xx shows exceptions for the manufactured home. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points - loan discount fee. The CD dated xx/xx/XXXX reflects points - loan discount fee at $XXX.XX. The loan estimate dated xx/xx/XXXX does not reflect the XXX(K) architectural and engineering fee. The CD dated xx/xx/XXXX reflects as XXX(K) architectural and engineering fee at $XXX.XX. The loan estimate dated xx/xx/XXXX reflects appraisal fee of $XXX.XX. The CD dated xx/xx/XXXX reflects appraisal fee at $XXX.XX. This is a cumulative increase in fee of $X,XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The loan failed charges cannot increase more than XX% in the tolerance test. LE dated xx/xx/XXXX reflects the sum of section C fees and the recording fee at $XXX.XX. The CD dated xx/xx/XXXX reflects the sum of section C and the recording fee at $X,XXX.XX. This is a cumulative increase of +$XXX.XX for charges that in total cannot increase more than XX% test. COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Credit | Active | 4: Unacceptable | \* FHA or USDA insurance is not active (Lvl 4) | Tape shows subject is not FHA insured. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)) due to an APR calculated at X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulation XXXX.XX(b), (c), and (d). The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated, X.XXX%, exceeding the APR threshold of X.XXX% by +X.XXX%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Mixed Use (Lvl 4) | Review of the appraisal report reflects the subject is a mixed-use property with two barn houses, where the borrower raises pigs on the subject site and maintains animal pens. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The settlement service providers list is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and file show the subject property is a mobile home. Further details not provided. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 2) | Home equity loan notice of address for borrower notification of violation is missing from the loan file |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Home Equity Consumer Disclosure is missing from the loan file (Lvl 2) | Home equity consumer disclosure is missing from the loan file |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. "A XXXX search shows an estimated value at $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details not provided. The subject loan originated on xx/xx/XXXX, and the X-year SOL is expired. BWR has X years on the job as an xx, FICO XXX, XXXX since inception, and $XXXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | The final transmittal summary is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 4: Unacceptable | \* Lost Note Affidavit (Lvl 4) | The tape shows only having a copy of the note, no LNA from Freedom. The lost note affidavit is not available in the loan file. The loan was not modified. A duplicate copy of the note is available in the loan file located at xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Release of mortgage (Lvl 4) | The tape defect shows the subject mortgage was released on xx/xx/XXXX. As per the updated title report dated xx/xx/XXXX, the subject mortgage originated on xx/xx/XXXX and was recorded on xx/xx/XXXX with instrument #xx, in the amount of $XX,XXX.XX with xx. The release of lien was recorded on xx/xx/XXXX with book xx, page xx, located at xx, stating that it was released or satisfied. The stipulated judgment located at xx, and filed on xx/xx/XXXX, states that the release of lien was mistakenly recorded and the subject mortgage has not been paid in full. As per the stipulated judgment, the release recorded on xx/xx/XXXX as Inst#xx has been declared void or cancelled. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Credit | Credit | Active | 4: Unacceptable | \* Lost Note Affidavit (Lvl 4) | The tape shows only having a copy of the note, no LNA from Freedom. The lost note affidavit is not available in the loan file. The loan was not modified. A duplicate copy of the note is available in the loan file located at "xx." |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject mortgage was originated on xx/xx/XXXX with the lender, xx. Tape defect shows no endorsement from resource lenders to Freedom. There is a break in the assignment and endorsement chain, and the loan was finally assigned to the lender, xx. UT does not reflect an assignment of mortgage from xx to xx. UT shows an assignment of mortgage from xx, to lender xx, which was recorded on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | BWR is an LLC. Note and mortgage documents were signed by the BWRs as members of the LLC and not in the individual names. Personal guaranty is available in the file. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows misrepresentation of income and employment details. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL has expired. BWR has X.XX years on the job as a xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the borrower is current on payments. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase X% tolerance test. The loan estimate dated xx/xx/XXXX reflects Appraisal Re-Inspection Fee at $XXX.XX. Final CD dated xx/xx/XXXX reflects Appraisal Re-Inspection Fee at $XXX.XX. This is an increase in fee of $XXX for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase case, originated on xx/xx/XXXX and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed liabilities. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/XXXX, and the X-year SOL is active. BWRX has XX.XX years on this job as a xx, FICO XXX, $XXXK equity in the subject, and $X,XXX residual income. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeding the disclosed finance charge of $XXX,XXX.XX by -$XXX.XX. The loan failed the TILA post-consummation revised closing disclosure finance charge test due to the calculated finance charge of $XXX,XXX.XX exceeding the disclosed finance charge of $XXX,XXX.XX by -$XXX.XX. The subject loan is a purchase that originated on xx/xx/XXXX, and the SOL is X year. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date of xx/xx/XXXX is more than XX calendar days after the consummation date of xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase more than XX% in the tolerance test. LE dated xx/xx/XXXX reflects the sum of Section C fees and the recording fee at $XXX.XX. CD dated xx/xx/XXXX reflects the sum of Section C and the recording fee at $XXX.XX. This is a cumulative increase of +$XX.XX for charges that in total cannot increase more than XX% per test. COC for the increase in fee is missing from the loan documents. Loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows loan was repurchased due to EPD. According to payment history as of xx/xx/XXXX, the borrower is current with the loan, and the next due date is xx/xx/XXXX. The current UPB is $xx. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject may be NOO, as owner occupancy could not be verified. Further details not provided. Elevated for client review. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. The tape shows the subject may be NOO, as owner occupancy could not be verified, causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/XXXX, and the X-year SOL will expire on xx/xx/XXXX. BWR has X months on the job as a xx, FICO XXX, XXXX in the last XX months, and $XXK equity in the subject. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $X,XXX.XX, and the loan was underwritten by DU (xx), and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the X% tolerance test. Loan estimate dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. CD dated xx/xx/XXXX reflects Points - Loan Discount Fee at $X,XXX.XX. The loan estimate dated xx/xx/XXXX reflects B Employment Verification Services [Custom Fee] at $XX.XX. CD dated xx/xx/XXXX reflects B Employment Verification Services [Custom Fee] at $XX.XX. The loan estimate dated xx/xx/XXXX reflects transfer taxes at $XXX.XX. CD dated xx/xx/XXXX reflects transfer taxes at $XXX.XX. This is a cumulative increase in fee of $XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan has been serviced in the portfolio since XXXX, and the lender has elected to sell the loan from the portfolio at this time. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the X% tolerance test. The loan estimate dated xx/xx/XXXX does not reflect the points - loan discount fee. The CD dated xx/xx/XXXX reflects points - loan discount fee at $XXX.XX. This is an increase in fee of +$XXX.XX for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/XXXX, and the X-year SOL has expired. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan has been serviced in the portfolio since XXXX, and the lender has elected to sell the loan from the portfolio at this time. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TRID rate lock disclosure delivery date test. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject condo was deemed ineligible by MD Housing due to excessive delinquency within the condominium project, with over xx% allowed and approximately xx% of unit owners reported as more than XX days delinquent; the condo certification obtained was not accurate as of the time of closing. Review of condo questionnaire does not show any special assessment. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Lease Agreement is missing (Lvl 3) | Lease agreement is missing from the loan file. Subject loan is a purchase. Downgrading to LVLX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | ape and file show the appraisal was completed subject to repairs, and not all required repairs have been completed. XXXXD shows all repairs have been completed except the half bathroom, which is not legally permitted. The appraiser did not consider the half bathroom in the total bathroom count and in the property valuation. Per the appraiser, the half bathroom does not appear to have any violations of zoning or local ordinances and does not adversely affect the subject's safety and soundness. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | BWR is an LLC. Note and mortgage were signed by BWR as a member of the LLC only and not as an individual name. Loan does have a personal guarantee. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Credit | Credit | Active | 4: Unacceptable | \* Private Mortgage Insurance is not active (Lvl 4) | Tape shows subject is not insured. PH shows MI is active. Reaching out to seller to clarify. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (XX CFR § XXXX.XX(a)(X)) due to an APR calculated at X.XXX% exceeding the APR threshold of X.XXX% by +X.XXX%. The subject loan is escrowed. This loan is compliant with regulations XXXX.XX(b), (c), and (d). |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows condo issue. Appraisal report is as-is, and the condo questionnaire is missing from the loan documents. Further details not provided. XXXX search shows an estimated value of $XXXK. Current UPB is $xxK. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject approved at xx% CLTV. Tape shows no defect on the loan, as the program does not permit subordinate liens and the CLTV is within acceptable limits. Further details not provided. Subject originated on xx/xx/XXXX. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% DTI. The Lender excluded an auto lease payment. Revised DTI xx%. Lender defect. The subject loan originated xx/xx/XXXX and the X-year SOL is active. The BWR is employed with xx for X.X years, FICO XXX, $X,XXX residual income, $XXX.XK reserves and $XXK equity in the subject property.<br> xx/xx/XXXX: Exception downgraded to LVL X based on PH. |  |  |
| xx | xx | xx | xx | XXXX | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 5**

**Payment History Report**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Loan #2** | **Pool** | **Borrower Last Name** | **Borrower First Name** | **Co-Borrower Last Name** | **Co-Borrower First Name** | **Address** | **City** | **State** | **Zip** | **Current UPB Per Pay Hist** | **Stated Current Rate** | **Current PI** | **Current PITI** | **Payment History As Of Date** | **Next Due Date per Payment History** | **Mos Curr Delinq per Pay History** | **Payment History Comments** | **3/2024** | **4/2024** | **5/2024** | **6/2024** | **7/2024** | **8/2024** | **9/2024** | **10/2024** | **11/2024** | **12/2024** | **1/2025** | **2/2025** | **3/2025** | **4/2025** | **5/2025** | **6/2025** | **7/2025** | **8/2025** | **9/2025** | **10/2025** | **11/2025** | **12/2025** | **1/2026** | **2/2026** | **Payment History String** | **Payment History String Reversed** | **Last Payment Received Date** | **Months** | **Amount** | **Cash Velocity** | **3 mos Cash Velocity** | **6 mos Cash Velocity** | **12 mos Cash Velocity** | **Avg Cash** | **Total Cash** |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $381299.73 | 5.500% | $2270.91 | $2948.16 | 2025-08-15 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,948.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,270.91 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $381,299.73. | $3409.00 | $3409.00 | $3409.00 | $3409.00 | $3409.00 | $3409.00 | $3409.00 | $3409.00 | $3409.00 | $3409.00 | $3409.00 | $3304.79 | $3304.79 | $3304.79 | $3314.29 | $2948.16 | $2948.16 | $2948.16 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3409.00000<br> $3409.00000<br> $3409.00000<br> $3409.00000<br> $3409.00000<br> $3409.00000<br> $3409.00000<br> $3409.00000<br> $3409.00000<br> $3409.00000<br> $3409.00000<br> $3304.79000<br> $3304.79000<br> $3304.79000<br> $3314.29000<br> $2948.16000<br> $2948.16000<br> $2948.16000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.200% | 0.000% | 0.000% | 53.100% | $2482.17 | $59572.14 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $596662.01 | 4.990% | $3285.98 | $4574.30 | 2025-06-30 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,574.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,285.98 with an interest rate of 4.990%. The current UPB reflected as per the payment history is $596,662.01. | $4524.22 | $4524.22 | $4524.22 | $4524.22 | $4524.22 | $4524.22 | $4524.22 | $4524.22 | $4524.22 | $4524.22 | $4555.90 | $4574.30 | $4574.30 | $4574.30 | $4574.30 | $4574.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000 | 000000000000000000000 | 2025-06-13 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4524.22000<br> $4524.22000<br> $4524.22000<br> $4524.22000<br> $4524.22000<br> $4524.22000<br> $4524.22000<br> $4524.22000<br> $4524.22000<br> $4524.22000<br> $4555.90000<br> $4574.30000<br> $4574.30000<br> $4574.30000<br> $4574.30000<br> $4574.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.200% | 0.000% | 0.000% | 33.300% | $3027.90 | $72669.60 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $509996.47 | 4.625% | $2694.05 | $3520.55 | 2025-08-29 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,520.55 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,694.05 with an interest rate of 4.625%. The current UPB reflected as per payment history is $509,996.47. | $3517.72 | $3517.72 | $3517.72 | $3517.72 | $3517.72 | $3517.72 | $3517.72 | $3517.72 | $3517.72 | $6214.60 | $3520.55 | $3520.55 | $3520.55 | $3520.55 | $3520.55 | $3520.55 | $3520.55 | $3520.55 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000000000 | 00000000000000000000 | 2025-08-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3517.72000<br> $3517.72000<br> $3517.72000<br> $3517.72000<br> $3517.72000<br> $3517.72000<br> $3517.72000<br> $3517.72000<br> $3517.72000<br> $6214.60000<br> $3520.55000<br> $3520.55000<br> $3520.55000<br> $3520.55000<br> $3520.55000<br> $3520.55000<br> $3520.55000<br> $3520.55000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.200% | 0.000% | 0.000% | 50.000% | $2751.60 | $66038.48 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $177587.37 | 5.250% | $1049.14 | $1049.14 | 2025-08-29 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,049.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,049.14 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $177,587.37. | $1724.14 | $1124.14 | $1124.14 | $1124.14 | $1924.14 | $1124.14 | $1124.14 | $1124.14 | $2124.14 | $1124.14 | $1124.14 | $1124.14 | $1124.14 | $1624.14 | $1124.14 | $1124.14 | $1049.14 | $1049.14 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1724.14000<br> $1124.14000<br> $1124.14000<br> $1124.14000<br> $1924.14000<br> $1124.14000<br> $1124.14000<br> $1124.14000<br> $2124.14000<br> $1124.14000<br> $1124.14000<br> $1124.14000<br> $1124.14000<br> $1624.14000<br> $1124.14000<br> $1124.14000<br> $1049.14000<br> $1049.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 91.300% | 0.000% | 0.000% | 56.400% | $957.69 | $22984.52 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $341358.77 | 3.250% | $1609.03 | $2446.81 | 2025-08-01 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,446.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,609.03 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $341,358.77. | $2386.21 | $2386.21 | $2386.21 | $2386.21 | $2386.21 | $2386.21 | $2386.21 | $2386.21 | $2386.21 | $2386.21 | $2386.21 | $2446.81 | $2446.81 | $2446.81 | $2446.81 | $2446.81 | $2446.81 | $2446.81 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2386.21000<br> $2386.21000<br> $2386.21000<br> $2386.21000<br> $2386.21000<br> $2386.21000<br> $2386.21000<br> $2386.21000<br> $2386.21000<br> $2386.21000<br> $2386.21000<br> $2446.81000<br> $2446.81000<br> $2446.81000<br> $2446.81000<br> $2446.81000<br> $2446.81000<br> $2446.81000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.900% | 0.000% | 0.000% | 50.000% | $1807.33 | $43375.98 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $124887.32 | 2.500% | $1120.21 | $1660.45 | 2025-08-01 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,660.45 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,120.21 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $124,887.32. | $2214.39 | $1698.53 | $1698.53 | $1698.53 | $1698.53 | $1698.53 | $1698.53 | $1698.53 | $1698.53 | $1698.53 | $1698.53 | $1660.45 | $1660.45 | $1660.45 | $1660.45 | $1660.45 | $1660.45 | $1660.45 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2214.39000<br> $1698.53000<br> $1698.53000<br> $1698.53000<br> $1698.53000<br> $1698.53000<br> $1698.53000<br> $1698.53000<br> $1698.53000<br> $1698.53000<br> $1698.53000<br> $1660.45000<br> $1660.45000<br> $1660.45000<br> $1660.45000<br> $1660.45000<br> $1660.45000<br> $1660.45000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.300% | 0.000% | 0.000% | 50.000% | $1284.29 | $30822.84 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $211688.67 | 2.750% | $962.63 | $1959.98 | 2025-06-30 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,959.98 (xx), which was applied for the due date of xx/xx/2025. The current xxis $962.63 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $211,688.67. | $1806.64 | $1687.21 | $1687.21 | $1687.21 | $1687.21 | $1687.21 | $1687.21 | $1687.21 | $1687.21 | $1687.21 | $1687.21 | $1687.21 | $1687.21 | $1959.98 | $1959.98 | $1959.98 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1806.64000<br> $1687.21000<br> $1687.21000<br> $1687.21000<br> $1687.21000<br> $1687.21000<br> $1687.21000<br> $1687.21000<br> $1687.21000<br> $1687.21000<br> $1687.21000<br> $1687.21000<br> $1687.21000<br> $1959.98000<br> $1959.98000<br> $1959.98000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 59.400% | 0.000% | 0.000% | 32.200% | $1163.88 | $27933.10 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $274043.74 | 3.125% | $1285.98 | $2009.31 | 2025-08-25 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,009.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,285.98 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $274,043.74. | $1827.19 | $1827.19 | $1827.19 | $1827.19 | $1912.72 | $2012.72 | $2012.72 | $2012.72 | $2012.72 | $1912.72 | $1912.72 | $2009.31 | $2009.31 | $2009.31 | $2009.31 | $2009.31 | $2009.31 | $2009.31 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1827.19000<br> $1827.19000<br> $1827.19000<br> $1827.19000<br> $1912.72000<br> $2012.72000<br> $2012.72000<br> $2012.72000<br> $2012.72000<br> $1912.72000<br> $1912.72000<br> $2009.31000<br> $2009.31000<br> $2009.31000<br> $2009.31000<br> $2009.31000<br> $2009.31000<br> $2009.31000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.900% | 0.000% | 0.000% | 50.000% | $1465.12 | $35162.97 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $497707.80 | 3.000% | $2311.44 | $4571.65 | 2025-08-01 | 2025-10-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,571.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,311.44 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $497,707.80. | $0.00 | $9210.04 | $0.00 | $9210.04 | $4605.02 | $4605.02 | $4605.02 | $0.00 | $4605.02 | $4605.02 | $13748.32 | $4571.65 | $4571.65 | $4571.65 | $4571.65 | $0.00 | $4571.65 | $4571.65 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $9210.04000<br> $0.00000<br> $9210.04000<br> $4605.02000<br> $4605.02000<br> $4605.02000<br> $0.00000<br> $4605.02000<br> $4605.02000<br> $13748.32000<br> $4571.65000<br> $4571.65000<br> $4571.65000<br> $4571.65000<br> $0.00000<br> $4571.65000<br> $4571.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.300% | 0.000% | 0.000% | 41.700% | $3442.64 | $82623.40 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $264361.05 | 4.000% | $1372.52 | $2185.12 | 2025-08-08 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $2,185.12 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,372.52 with an interest rate of 4.000%. The current UPB is $264,361.05. | $2700.00 | $2300.00 | $2300.00 | $2300.00 | $2145.01 | $2145.01 | $2145.01 | $2300.00 | $2300.00 | $2145.01 | $2300.00 | $4500.00 | $0.00 | $2300.00 | $2300.00 | $2300.00 | $2300.00 | $2300.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000032 | 230000000000000000000000 | 2025-08-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2700.00000<br> $2300.00000<br> $2300.00000<br> $2300.00000<br> $2145.01000<br> $2145.01000<br> $2145.01000<br> $2300.00000<br> $2300.00000<br> $2145.01000<br> $2300.00000<br> $4500.00000<br> $0.00000<br> $2300.00000<br> $2300.00000<br> $2300.00000<br> $2300.00000<br> $2300.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.300% | 0.000% | 0.000% | 43.900% | $1711.67 | $41080.04 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $264457.93 | 3.250% | $1241.64 | $2128.82 | 2025-08-15 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $2,128.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,241.64 with an interest rate of 3.250%. The current UPB is $264,457.93.<br> As per the collection comment dated xx/xx/2025, the payments made in Jan 2025 are borrower payments. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $36078.28 | $7440.95 | $2280.18 | $2128.82 | $2128.82 | $2128.82 | $2128.82 | $2128.82 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000024444444444444432 | 234444444444444420000000 | 2025-08-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $36078.28000<br> $7440.95000<br> $2280.18000<br> $2128.82000<br> $2128.82000<br> $2128.82000<br> $2128.82000<br> $2128.82000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 110.500% | 0.000% | 0.000% | 50.600% | $2351.81 | $56443.51 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $580929.97 | 3.999% | $2957.26 | $4761.86 | 2025-08-15 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,761.86 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,957.26 with an interest rate of 3.999%. The current UPB reflected as per the payment history is $580,929.97. | $4399.04 | $4399.04 | $4399.04 | $4399.04 | $4399.04 | $4399.04 | $4399.04 | $8798.08 | $0.00 | $4399.04 | $4399.04 | $4425.15 | $4425.15 | $4223.59 | $4761.86 | $4761.86 | $4761.86 | $4761.86 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000100 | 001000000000000000000000 | 2025-08-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4399.04000<br> $4399.04000<br> $4399.04000<br> $4399.04000<br> $4399.04000<br> $4399.04000<br> $4399.04000<br> $8798.08000<br> $0.00000<br> $4399.04000<br> $4399.04000<br> $4425.15000<br> $4425.15000<br> $4223.59000<br> $4761.86000<br> $4761.86000<br> $4761.86000<br> $4761.86000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.400% | 0.000% | 0.000% | 48.500% | $3354.62 | $80510.77 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $336146.31 | 4.875% | $1873.35 | $2846.60 | 2025-08-15 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,846.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,873.35 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $336,146.31. | $2981.51 | $2981.51 | $2981.51 | $2981.51 | $2981.51 | $2981.51 | $2981.51 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $26098.94 | $0.00 | $2834.58 | $2846.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000044443210000000000000 | 000000000000012344440000 | 2025-08-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2981.51000<br> $2981.51000<br> $2981.51000<br> $2981.51000<br> $2981.51000<br> $2981.51000<br> $2981.51000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $26098.94000<br> $0.00000<br> $2834.58000<br> $2846.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.100% | 0.000% | 0.000% | 93.000% | $2193.78 | $52650.69 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $170120.12 | 5.500% | $1021.45 | $2299.11 | 2025-08-15 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,299.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,021.45 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $170,120.12. | $2206.97 | $2206.97 | $2206.97 | $2206.97 | $2206.97 | $2206.97 | $2206.97 | $2206.97 | $2206.97 | $2206.97 | $2206.97 | $2299.11 | $2299.11 | $2299.11 | $2299.11 | $2299.11 | $2300.00 | $2300.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2206.97000<br> $2206.97000<br> $2206.97000<br> $2206.97000<br> $2206.97000<br> $2206.97000<br> $2206.97000<br> $2206.97000<br> $2206.97000<br> $2206.97000<br> $2206.97000<br> $2299.11000<br> $2299.11000<br> $2299.11000<br> $2299.11000<br> $2299.11000<br> $2300.00000<br> $2300.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.200% | 0.000% | 0.000% | 50.000% | $1682.18 | $40372.22 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $272281.96 | 5.000% | $1567.82 | $2389.14 | 2025-08-18 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,389.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,567.82 with an interest rate of 5.000%. The current UPB reflected as per the payment history is $272,281.96. | $1954.21 | $1954.21 | $1954.21 | $1954.21 | $2685.21 | $2685.21 | $2685.21 | $2685.21 | $2685.21 | $2685.21 | $2685.21 | $2685.21 | $2685.21 | $2685.21 | $2685.21 | $2685.21 | $2389.14 | $2389.14 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1954.21000<br> $1954.21000<br> $1954.21000<br> $1954.21000<br> $2685.21000<br> $2685.21000<br> $2685.21000<br> $2685.21000<br> $2685.21000<br> $2685.21000<br> $2685.21000<br> $2685.21000<br> $2685.21000<br> $2685.21000<br> $2685.21000<br> $2685.21000<br> $2389.14000<br> $2389.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.200% | 0.000% | 0.000% | 54.100% | $1867.40 | $44817.64 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $177217.60 | 6.125% | $1121.04 | $1843.84 | 2025-08-20 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,843.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,121.04 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $177,217.60. | $1497.57 | $1497.57 | $1497.57 | $1921.67 | $1921.67 | $1921.67 | $1921.67 | $1921.67 | $1921.67 | $1921.67 | $1921.67 | $1921.67 | $1921.67 | $1843.84 | $1843.84 | $1843.84 | $1843.84 | $1843.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000011 | 110000000000000000000000 | 2025-08-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1497.57000<br> $1497.57000<br> $1497.57000<br> $1921.67000<br> $1921.67000<br> $1921.67000<br> $1921.67000<br> $1921.67000<br> $1921.67000<br> $1921.67000<br> $1921.67000<br> $1921.67000<br> $1921.67000<br> $1843.84000<br> $1843.84000<br> $1843.84000<br> $1843.84000<br> $1843.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.400% | 0.000% | 0.000% | 50.400% | $1372.03 | $32928.61 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $206501.76 | 4.250% | $1833.15 | $2410.84 | 2025-08-04 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,410.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,833.15 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $206,501.76. | $2575.04 | $2575.04 | $2575.04 | $2575.04 | $2575.04 | $2575.04 | $2575.04 | $2575.04 | $2575.04 | $2575.04 | $2575.04 | $2410.84 | $2410.84 | $2410.84 | $2410.84 | $2410.84 | $2410.84 | $2410.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000021 | 120000000000000000000000 | 2025-08-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2575.04000<br> $2575.04000<br> $2575.04000<br> $2575.04000<br> $2575.04000<br> $2575.04000<br> $2575.04000<br> $2575.04000<br> $2575.04000<br> $2575.04000<br> $2575.04000<br> $2410.84000<br> $2410.84000<br> $2410.84000<br> $2410.84000<br> $2410.84000<br> $2410.84000<br> $2410.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.100% | 0.000% | 0.000% | 50.000% | $1883.39 | $45201.32 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $347359.36 | 4.875% | $1910.39 | $3064.01 | 2025-08-18 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,064.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,910.39 and the interest rate is 4.875%. The current UPB reflected as per the payment history is $347,359.36. | $2762.92 | $2762.92 | $2762.92 | $2762.92 | $2762.92 | $2762.92 | $2762.92 | $2762.92 | $2762.92 | $2762.92 | $2762.92 | $3064.01 | $3064.01 | $3064.01 | $3064.01 | $3064.01 | $3064.01 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-07-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2762.92000<br> $2762.92000<br> $2762.92000<br> $2762.92000<br> $2762.92000<br> $2762.92000<br> $2762.92000<br> $2762.92000<br> $2762.92000<br> $2762.92000<br> $2762.92000<br> $3064.01000<br> $3064.01000<br> $3064.01000<br> $3064.01000<br> $3064.01000<br> $3064.01000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.300% | 0.000% | 0.000% | 41.700% | $2032.34 | $48776.18 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $213310.05 | 5.500% | $1253.60 | $2207.21 | 2025-08-01 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,207.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,253.60 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $213,310.05. | $2102.33 | $2102.33 | $2102.33 | $2102.33 | $2102.33 | $2102.33 | $2102.33 | $2102.33 | $2102.33 | $2102.33 | $2102.33 | $2207.21 | $2207.21 | $2207.21 | $2207.21 | $2207.21 | $2207.21 | $2207.21 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2102.33000<br> $2102.33000<br> $2102.33000<br> $2102.33000<br> $2102.33000<br> $2102.33000<br> $2102.33000<br> $2102.33000<br> $2102.33000<br> $2102.33000<br> $2102.33000<br> $2207.21000<br> $2207.21000<br> $2207.21000<br> $2207.21000<br> $2207.21000<br> $2207.21000<br> $2207.21000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.800% | 0.000% | 0.000% | 50.000% | $1607.34 | $38576.10 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $279114.65 | 6.250% | $1767.03 | $2290.58 | 2025-08-15 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,290.58 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,767.03 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $279,114.65. | $2401.98 | $2401.98 | $2401.98 | $2401.98 | $3211.24 | $2501.47 | $2501.47 | $2501.47 | $2501.47 | $2501.47 | $2501.47 | $2290.58 | $2290.58 | $2290.58 | $2290.58 | $2290.58 | $2290.58 | $2290.58 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2401.98000<br> $2401.98000<br> $2401.98000<br> $2401.98000<br> $3211.24000<br> $2501.47000<br> $2501.47000<br> $2501.47000<br> $2501.47000<br> $2501.47000<br> $2501.47000<br> $2290.58000<br> $2290.58000<br> $2290.58000<br> $2290.58000<br> $2290.58000<br> $2290.58000<br> $2290.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.800% | 0.000% | 0.000% | 50.000% | $1827.59 | $43862.04 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $133253.23 | 6.250% | $923.58 | $1600.00 | 2025-08-04 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,600.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $923.58 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $133,253.23.<br>| $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2000.00 | $1600.00 | $2000.00 | $2500.00 | $2000.00 | $1600.00 | $1600.00 | $1600.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000100 | 001000000000000000000000 | 2025-08-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2000.00000<br> $1600.00000<br> $2000.00000<br> $2500.00000<br> $2000.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 103.900% | 0.000% | 0.000% | 58.900% | $1662.50 | $39900.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $207620.35 | 7.990% | $1547.77 | $2724.56 | 2025-08-15 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,724.56 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,547.77 with an interest rate of 7.99%. The current UPB reflected as per the payment history is $207,620.35. | $2035.52 | $2035.52 | $4071.04 | $0.00 | $1795.44 | $1795.44 | $1795.44 | $1795.44 | $1795.44 | $1795.44 | $1795.44 | $2724.56 | $2724.56 | $2724.56 | $2724.56 | $2724.56 | $2724.56 | $2724.56 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2035.52000<br> $2035.52000<br> $4071.04000<br> $0.00000<br> $1795.44000<br> $1795.44000<br> $1795.44000<br> $1795.44000<br> $1795.44000<br> $1795.44000<br> $1795.44000<br> $2724.56000<br> $2724.56000<br> $2724.56000<br> $2724.56000<br> $2724.56000<br> $2724.56000<br> $2724.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 60.800% | 0.000% | 0.000% | 50.000% | $1657.59 | $39782.08 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $451164.77 | 5.625% | $2653.39 | $4751.34 | 2025-06-30 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,751.34 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,653.39 with an interest rate of 5.625%. The current UPB reflected as per the payment history is $451,164.77. | $4105.47 | $4105.47 | $4105.47 | $4105.47 | $4105.47 | $4105.47 | $4105.47 | $4105.47 | $4105.47 | $4105.47 | $4105.47 | $4105.47 | $4105.47 | $4751.34 | $4751.34 | $4751.34 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000000 | 0000000000000000000 | 2025-06-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4105.47000<br> $4105.47000<br> $4105.47000<br> $4105.47000<br> $4105.47000<br> $4105.47000<br> $4105.47000<br> $4105.47000<br> $4105.47000<br> $4105.47000<br> $4105.47000<br> $4105.47000<br> $4105.47000<br> $4751.34000<br> $4751.34000<br> $4751.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 59.300% | 0.000% | 0.000% | 32.200% | $2817.71 | $67625.13 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $570382.30 | 2.990% | $2672.08 | $4932.95 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,932.95 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,672.08 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $570,382.30. | $3710.07 | $3710.07 | $4657.67 | $4657.67 | $4657.67 | $4657.67 | $4657.67 | $4657.67 | $4657.67 | $4657.67 | $4657.67 | $4657.67 | $5072.29 | $5072.29 | $5072.29 | $4932.95 | $4932.95 | $4932.95 | $4932.95 | $4932.95 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3710.07000<br> $3710.07000<br> $4657.67000<br> $4657.67000<br> $4657.67000<br> $4657.67000<br> $4657.67000<br> $4657.67000<br> $4657.67000<br> $4657.67000<br> $4657.67000<br> $4657.67000<br> $5072.29000<br> $5072.29000<br> $5072.29000<br> $4932.95000<br> $4932.95000<br> $4932.95000<br> $4932.95000<br> $4932.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.300% | 0.000% | 33.300% | 67.400% | $3911.60 | $93878.46 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $90347.20 | 3.125% | $780.20 | $1005.25 | 2025-10-01 | 2025-11-01 | 0 | As per the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,005.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $780.20 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $90,347.20. | $1018.78 | $1018.78 | $1018.78 | $1018.78 | $1018.78 | $1018.78 | $1018.78 | $1052.63 | $1052.63 | $1052.63 | $1052.63 | $1052.63 | $1052.63 | $1052.63 | $1052.63 | $1052.63 | $1052.63 | $1052.63 | $1052.63 | $1005.25 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1018.78000<br> $1018.78000<br> $1018.78000<br> $1018.78000<br> $1018.78000<br> $1018.78000<br> $1018.78000<br> $1052.63000<br> $1052.63000<br> $1052.63000<br> $1052.63000<br> $1052.63000<br> $1052.63000<br> $1052.63000<br> $1052.63000<br> $1052.63000<br> $1052.63000<br> $1052.63000<br> $1052.63000<br> $1005.25000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.100% | 0.000% | 34.100% | 69.400% | $865.34 | $20768.27 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $541440.81 | 2.990% | $2652.71 | $3402.45 | 2025-09-30 | 2025-11-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,402.45 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,652.71 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $541,440.81. | $3331.31 | $3365.48 | $3365.48 | $0.00 | $6730.96 | $3365.48 | $0.00 | $6730.96 | $0.00 | $6730.96 | $3365.48 | $0.00 | $6767.93 | $3402.45 | $3402.45 | $0.00 | $6804.90 | $3402.45 | $3402.45 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3331.31000<br> $3365.48000<br> $3365.48000<br> $0.00000<br> $6730.96000<br> $3365.48000<br> $0.00000<br> $6730.96000<br> $0.00000<br> $6730.96000<br> $3365.48000<br> $0.00000<br> $6767.93000<br> $3402.45000<br> $3402.45000<br> $0.00000<br> $6804.90000<br> $3402.45000<br> $3402.45000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.600% | 0.000% | 16.700% | 66.600% | $2673.70 | $64168.74 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $6428.48 | 3.625% | $129.31 | $129.31 | 2025-10-02 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $129.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $129.31 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $6,428.48. | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $129.31 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $129.31000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.300% | 0.000% | 33.300% | 66.700% | $107.76 | $2586.20 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $222513.56 | 7.062% | $1507.42 | $1835.46 | 2025-10-01 | 2025-11-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,835.46 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,507.42 with an interest rate of 7.062%. The current UPB is $222,513.56. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1815.77 | $1815.77 | $1815.77 | $0.00 | $3631.54 | $1815.77 | $1815.77 | $0.00 | $1815.77 | $1815.77 | $1815.77 | $1815.77 | $1815.77 | $1835.46 | $1835.46 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1815.77000<br> $1815.77000<br> $1815.77000<br> $0.00000<br> $3631.54000<br> $1815.77000<br> $1815.77000<br> $0.00000<br> $1815.77000<br> $1815.77000<br> $1815.77000<br> $1815.77000<br> $1815.77000<br> $1835.46000<br> $1835.46000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 57.800% | 0.000% | 33.300% | 57.900% | $1060.84 | $25460.16 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $62625.98 | 9.125% | $653.90 | $653.90 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $653.90 (xx), which was applied for the due date of xx/xx/2025. The current xxis $653.90 with an interest rate of 9.125%. The current UPB reflected as per the payment history is $62,625.98. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $653.90 | $0.00 | $653.90 | $653.90 | $653.90 | $653.90 | $653.90 | $653.90 | $653.90 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $653.90000<br> $0.00000<br> $653.90000<br> $653.90000<br> $653.90000<br> $653.90000<br> $653.90000<br> $653.90000<br> $653.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 33.300% | 58.300% | $217.97 | $5231.20 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $272129.04 | 2.750% | $1241.05 | $2704.69 | 2025-09-24 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,704.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,241.05 with an interest rate of 2.750%. The current UPB, reflected as per the payment history, is $272,129.04. | $2676.94 | $2599.48 | $2599.48 | $2583.74 | $2583.74 | $2583.74 | $2583.74 | $2583.74 | $2583.74 | $2583.74 | $2583.74 | $2583.74 | $2583.74 | $2583.74 | $2583.74 | $2704.69 | $2704.69 | $2704.69 | $2704.69 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2676.94000<br> $2599.48000<br> $2599.48000<br> $2583.74000<br> $2583.74000<br> $2583.74000<br> $2583.74000<br> $2583.74000<br> $2583.74000<br> $2583.74000<br> $2583.74000<br> $2583.74000<br> $2583.74000<br> $2583.74000<br> $2583.74000<br> $2704.69000<br> $2704.69000<br> $2704.69000<br> $2704.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.600% | 0.000% | 16.700% | 57.200% | $2070.81 | $49699.54 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $531021.07 | 4.250% | $2638.02 | $3813.51 | 2025-09-15 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,813.51 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,638.02 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $531,021.07. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3813.51 | $3813.51 | $3813.51 | $3813.51 | $3813.51 | $3813.51 | $3812.51 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-09-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3813.51000<br> $3813.51000<br> $3813.51000<br> $3813.51000<br> $3813.51000<br> $3813.51000<br> $3812.51000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 16.700% | 58.300% | $1112.23 | $26693.57 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $251977.92 | 4.875% | $1340.12 | $2183.68 | 2025-09-15 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,183.68 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,340.12 and the interest rate is 4.875%. The current UPB reflected as per the payment history is $251,977.92. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2183.68 | $0.00 | $4367.36 | $0.00 | $2183.68 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-09-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2183.68000<br> $0.00000<br> $4367.36000<br> $0.00000<br> $2183.68000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 16.700% | 33.300% | $363.95 | $8734.72 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $277175.11 | 5.875% | $1690.19 | $1992.44 | 2025-09-23 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,992.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,690.19 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $277,175.11. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4240.82 | $2120.41 | $2120.41 | $2120.41 | $2120.41 | $2120.41 | $2120.41 | $0.00 | $4112.85 | $1992.44 | $1992.44 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-08-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4240.82000<br> $2120.41000<br> $2120.41000<br> $2120.41000<br> $2120.41000<br> $2120.41000<br> $2120.41000<br> $0.00000<br> $4112.85000<br> $1992.44000<br> $1992.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 52.400% | 0.000% | 0.000% | 51.600% | $1044.21 | $25061.01 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $343889.16 | 7.375% | $2391.95 | $2845.19 | 2025-09-24 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,845.19 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,391.95 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $343,889.16. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2845.19 | $2845.19 | $5690.38 | $0.00 | $2845.19 | $2845.19 | $2845.19 | $5690.38 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-08-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2845.19000<br> $2845.19000<br> $5690.38000<br> $0.00000<br> $2845.19000<br> $2845.19000<br> $2845.19000<br> $5690.38000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 58.300% | $1066.95 | $25606.71 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $472675.64 | 4.990% | $2559.55 | $3411.37 | 2025-09-15 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,411.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,559.55 with an interest rate of 4.990%. The current UPB reflected as per the payment history is $472,675.64. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3411.37 | $3411.37 | $3411.37 | $3411.37 | $3411.37 | $3411.37 | $3411.37 | $3411.37 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-09-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3411.37000<br> $3411.37000<br> $3411.37000<br> $3411.37000<br> $3411.37000<br> $3411.37000<br> $3411.37000<br> $3411.37000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 16.700% | 58.300% | $1137.12 | $27290.96 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $347070.24 | 6.500% | $2212.24 | $2212.24 | 2025-09-24 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,212.24 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,212.24 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $347,070.24. <br> As per the comment dated xx/xx/2025, the payments made in the month of August 2025 are BWR payments. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2212.24 | $2212.24 | $2212.24 | $0.00 | $7636.72 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 001000 | 000100 | 2025-08-27 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2212.24000<br> $2212.24000<br> $2212.24000<br> $0.00000<br> $7636.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 26.900% | 0.000% | 0.000% | 53.800% | $594.73 | $14273.44 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $178079.97 | 5.125% | $971.91 | $1268.56 | 2025-09-25 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,268.56 (xx), which was applied for the due date of xx/xx/2025. The current xxis $971.91 with an interest rate of 5.125%. The current UPB reflected as per the payment history is $178,079.97. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1307.44 | $1268.56 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11 | 11 | 2025-09-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1307.44000<br> $1268.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.500% | 0.000% | 16.700% | 16.900% | $107.33 | $2576.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $330778.08 | 4.625% | $1709.51 | $2332.60 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,332.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,709.51 with an interest rate of 4.625%. The current UPB reflected as per the payment history is $330,778.08. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2332.60 | $2332.60 | $2332.60 | $0.00 | $2332.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-09-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2332.60000<br> $2332.60000<br> $2332.60000<br> $0.00000<br> $2332.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 16.700% | 33.300% | $388.77 | $9330.40 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $181916.94 | 5.875% | $1083.11 | $1598.00 | 2025-09-15 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,598.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,083.11 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $181,916.94.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1597.59 | $1598.00 | $0.00 | $3195.18 | $1646.35 | $1598.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000100 | 001000 | 2025-09-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1597.59000<br> $1598.00000<br> $0.00000<br> $3195.18000<br> $1646.35000<br> $1598.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.100% | 0.000% | 16.700% | 50.200% | $401.46 | $9635.12 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $284374.67 | 5.500% | $1618.20 | $2299.79 | 2025-09-24 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,299.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,618.20 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $284,374.67. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2299.79 | $2299.79 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-08-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2299.79000<br> $2299.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $191.65 | $4599.58 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $206693.91 | 6.625% | $1331.85 | $1755.51 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,755.51 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,331.85 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $206,693.91. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1627.68 | $1755.51 | $1755.51 | $1755.51 | $1755.51 | $1755.51 | $1755.51 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-09-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1627.68000<br> $1755.51000<br> $1755.51000<br> $1755.51000<br> $1755.51000<br> $1755.51000<br> $1755.51000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 28.900% | 0.000% | 16.700% | 57.700% | $506.70 | $12160.74 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $851176.44 | 5.625% | $4926.43 | $4926.43 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,926.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,926.43 with an interest rate of 5.625%. The current UPB is $851,176.44. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $9852.86 | $0.00 | $4926.43 | $4926.43 | $4926.43 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-09-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $9852.86000<br> $0.00000<br> $4926.43000<br> $4926.43000<br> $4926.43000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 16.700% | 41.700% | $1026.34 | $24632.15 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $383876.77 | 3.990% | $1835.78 | $2182.44 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,182.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,835.78 with an interest rate of 3.990%. The current UPB reflected as per the payment history is $383,876.77. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2182.44 | $2182.44 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-09-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2182.44000<br> $2182.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 16.700% | 16.700% | $181.87 | $4364.88 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $488688.81 | 5.250% | $2701.66 | $4079.53 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,079.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,701.66 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $488,688.81. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4079.25 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-09-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4079.25000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $169.97 | $4079.25 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $99566.29 | 4.000% | $477.42 | $850.93 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $850.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $477.42 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $99,566.29. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $850.93 | $850.93 | $0.00 | $850.93 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-09-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $850.93000<br> $850.93000<br> $0.00000<br> $850.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $106.37 | $2552.79 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $303301.48 | 7.875% | $2210.00 | $2715.98 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,715.98 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,210.00 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $303,301.48. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2715.98 | $2715.98 | $2715.98 | $2715.98 | $2715.98 | $2715.98 | $2715.98 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-09-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2715.98000<br> $2715.98000<br> $2715.98000<br> $2715.98000<br> $2715.98000<br> $2715.98000<br> $2715.98000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 16.700% | 58.300% | $792.16 | $19011.86 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $299043.78 | 5.250% | $1660.94 | $2069.79 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,069.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,660.94 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $299,043.78. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2069.79 | $2069.79 | $2069.79 | $2069.79 | $2069.79 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-09-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2069.79000<br> $2069.79000<br> $2069.79000<br> $2069.79000<br> $2069.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 16.700% | 41.700% | $431.21 | $10348.95 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $331453.55 | 5.750% | $1940.38 | $2515.92 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,515.92 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,940.38 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $331,453.55. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2623.98 | $2515.92 | $2515.92 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-09-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2623.98000<br> $2515.92000<br> $2515.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.700% | 0.000% | 16.700% | 25.400% | $318.99 | $7655.82 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $513008.00 | 3.990% | $2449.76 | $3389.09 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,389.09 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,449.76 with an interest rate of 3.990%. The current UPB reflected as per the payment history is $513,008.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3389.09 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-08-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3389.09000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $141.21 | $3389.09 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $296768.36 | 5.990% | $1781.24 | $2472.99 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,472.99 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,781.24 with an interest rate of 5.990%. The current UPB reflected as per the payment history is $296,768.36. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2472.99 | $350.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-08-28 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2472.99000<br> $350.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.800% | 0.000% | 2.400% | 9.500% | $117.62 | $2822.99 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $398951.02 | 6.750% | $2594.33 | $2861.71 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,861.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,594.33 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $398,951.02. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2861.71 | $2861.71 | $2861.71 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-09-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2861.71000<br> $2861.71000<br> $2861.71000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $357.71 | $8585.13 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $514632.90 | 4.250% | $2545.79 | $3519.34 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,519.34 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,545.79 with an interest rate of 4.25%. The current UPB reflected as per the payment history is $514,632.90. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3519.34 | $3519.34 | $3519.34 | $3519.34 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-09-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3519.34000<br> $3519.34000<br> $3519.34000<br> $3519.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 16.700% | 33.300% | $586.56 | $14077.36 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $227326.22 | 5.625% | $1320.10 | $1767.33 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,767.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,320.10 with an interest rate of 5.625%. The current UPB reflected as per the payment history is $227,326.22. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1767.33 | $1767.33 | $0.00 | $3534.66 | $1767.33 | $0.00 | $3534.66 | $1767.33 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-08-27 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1767.33000<br> $1767.33000<br> $0.00000<br> $3534.66000<br> $1767.33000<br> $0.00000<br> $3534.66000<br> $1767.33000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 0.000% | 50.000% | $589.11 | $14138.64 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $226134.51 | 5.375% | $1280.93 | $1738.57 | 2025-09-25 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,738.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,280.93 with an interest rate of 5.375%. The current UPB reflected as per the payment history is $226,134.51. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1738.57 | $1738.57 | $1738.57 | $1738.57 | $1738.57 | $1738.57 | $1738.57 | $1738.57 | $1738.57 | $1738.57 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-09-23 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1738.57000<br> $1738.57000<br> $1738.57000<br> $1738.57000<br> $1738.57000<br> $1738.57000<br> $1738.57000<br> $1738.57000<br> $1738.57000<br> $1738.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 16.700% | 58.300% | $724.40 | $17385.70 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $426314.96 | 4.250% | $2103.02 | $2649.77 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,649.77 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,103.02 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $426,314.96. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2649.77 | $2649.77 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-08-28 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2649.77000<br> $2649.77000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $220.81 | $5299.54 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $181476.61 | 4.750% | $951.48 | $1265.76 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,265.76 (xx), which was applied for the due date of xx/xx/2025. The current xxis $951.48 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $181,476.61. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1265.76 | $1265.76 | $1265.76 | $1265.76 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-09-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1265.76000<br> $1265.76000<br> $1265.76000<br> $1265.76000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 0.000% | 33.300% | $210.96 | $5063.04 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $234224.69 | 5.125% | $1276.82 | $1276.82 | 2025-10-16 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,276.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,276.82 with an interest rate of 5.125%. The current UPB reflected as per the payment history is $234,224.69. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1276.82 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1276.82000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $53.20 | $1276.82 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $681446.99 | 3.990% | $3254.10 | $4449.47 | 2025-10-17 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,449.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,254.10 with an interest rate of 3.990%. The current UPB is $681,446.99. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4449.47 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4449.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $185.39 | $4449.47 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $621996.27 | 5.750% | $3641.26 | $4350.55 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,350.55 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,641.26 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $621,996.27. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4350.55 | $4350.55 | $4350.55 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-09-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4350.55000<br> $4350.55000<br> $4350.55000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $543.82 | $13051.65 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $339517.38 | 4.375% | $1702.06 | $3146.61 | 2025-09-25 | 2025-10-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $3,146.61 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,702.06 with an interest rate of 4.375%. The current UPB reflected as per the payment history is $339,517.38. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6293.22 | $0.00 | $3146.61 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-09-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6293.22000<br> $0.00000<br> $3146.61000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $393.33 | $9439.83 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $274912.80 | 3.990% | $1339.05 | $1968.50 | 2025-09-15 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,938.90 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,968.50 with an interest rate of 3.990%. The current UPB reflected as per the payment history is $274,912.80. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1968.50 | $1968.50 | $0.00 | $0.00 | $1968.50 | $0.00 | $1968.50 | $0.00 | $1968.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 443322100 | 001223344 | 2025-09-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1968.50000<br> $1968.50000<br> $0.00000<br> $0.00000<br> $1968.50000<br> $0.00000<br> $1968.50000<br> $0.00000<br> $1968.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 16.700% | 25.000% | $410.10 | $9842.50 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $270395.09 | 5.500% | $1540.35 | $2201.03 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,201.03 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,540.35 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $270,395.09. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2201.03 | $2201.03 | $2201.03 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-09-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2201.03000<br> $2201.03000<br> $2201.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $275.13 | $6603.09 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $78457.05 | 7.250% | $550.86 | $801.52 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $78,457.05 (xx), which was applied for the due date of xx/xx/2025. The current xxis $550.86 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $78,457.05. | $2589.23 | $936.65 | $936.65 | $1002.54 | $1002.54 | $1002.54 | $834.00 | $825.55 | $825.55 | $825.55 | $825.55 | $825.55 | $825.55 | $825.55 | $825.55 | $801.52 | $801.52 | $801.52 | $801.52 | $801.52 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000100 | 001000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2589.23000<br> $936.65000<br> $936.65000<br> $1002.54000<br> $1002.54000<br> $1002.54000<br> $834.00000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $801.52000<br> $801.52000<br> $801.52000<br> $801.52000<br> $801.52000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 98.300% | 0.000% | 33.300% | 67.400% | $788.17 | $18916.15 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $42095.32 | 4.125% | $475.37 | $1076.54 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,076.54 (xx), which was applied for the due date of xx/xx/2025. The current xxis $475.37 with an interest rate of 4.125%. The current UPB reflected as per the payment history is $42,095.32. | $1827.07 | $904.04 | $904.04 | $882.60 | $882.60 | $882.60 | $882.60 | $882.60 | $882.60 | $882.60 | $882.60 | $882.60 | $882.60 | $882.60 | $882.60 | $1076.54 | $1076.54 | $1076.54 | $1076.54 | $1076.54 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1827.07000<br> $904.04000<br> $904.04000<br> $882.60000<br> $882.60000<br> $882.60000<br> $882.60000<br> $882.60000<br> $882.60000<br> $882.60000<br> $882.60000<br> $882.60000<br> $882.60000<br> $882.60000<br> $882.60000<br> $1076.54000<br> $1076.54000<br> $1076.54000<br> $1076.54000<br> $1076.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.900% | 0.000% | 33.300% | 62.200% | $817.04 | $19609.05 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $133394.77 | 3.625% | $820.41 | $1792.32 | 2025-09-11 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,792.32 (xx), which was applied for the due date of xx/xx/2025. The current xxis $820.41 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $133,394.77. | $1573.99 | $1573.99 | $1573.99 | $1573.99 | $1624.56 | $1624.56 | $1624.56 | $1624.56 | $1624.56 | $1624.56 | $1624.56 | $1624.56 | $1624.56 | $1624.56 | $1624.56 | $1624.56 | $1792.32 | $1792.32 | $1792.32 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1573.99000<br> $1573.99000<br> $1573.99000<br> $1573.99000<br> $1624.56000<br> $1624.56000<br> $1624.56000<br> $1624.56000<br> $1624.56000<br> $1624.56000<br> $1624.56000<br> $1624.56000<br> $1624.56000<br> $1624.56000<br> $1624.56000<br> $1624.56000<br> $1792.32000<br> $1792.32000<br> $1792.32000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.500% | 0.000% | 16.700% | 55.200% | $1298.65 | $31167.64 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $332040.25 | 3.750% | $1931.19 | $1931.19 | 2025-10-01 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,931.19 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,931.19 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $332,040.25. | $4441.88 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $1931.19 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4441.88000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $1931.19000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 88.800% | 0.000% | 33.300% | 66.700% | $1713.94 | $41134.49 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $147968.52 | 3.750% | $890.60 | $2221.27 | 2025-09-15 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,221.27 (xx), which was applied for the due date of xx/xx/2025. The current xxis $890.60 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $147,968.52. | $1618.17 | $1618.17 | $1618.17 | $1693.55 | $8387.55 | $1694.00 | $1694.00 | $1694.00 | $1694.00 | $1694.00 | $1694.00 | $1694.00 | $1694.00 | $1694.00 | $0.00 | $2221.27 | $2221.27 | $2221.27 | $2221.27 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1618.17000<br> $1618.17000<br> $1618.17000<br> $1693.55000<br> $8387.55000<br> $1694.00000<br> $1694.00000<br> $1694.00000<br> $1694.00000<br> $1694.00000<br> $1694.00000<br> $1694.00000<br> $1694.00000<br> $1694.00000<br> $0.00000<br> $2221.27000<br> $2221.27000<br> $2221.27000<br> $2221.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.300% | 0.000% | 16.700% | 46.000% | $1627.78 | $39066.69 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $37195.80 | 4.125% | $522.18 | $522.18 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $522.18 (xx), which was applied for the due date of xx/xx/2025. The current xxis $522.18 with an interest rate of 4.125%. The current UPB is $37,195.80. | $522.18 | $522.18 | $522.18 | $522.18 | $522.18 | $522.18 | $522.18 | $522.18 | $522.18 | $522.18 | $522.18 | $522.18 | $522.19 | $522.18 | $522.18 | $522.18 | $522.18 | $522.18 | $522.18 | $522.18 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $522.18000<br> $522.18000<br> $522.18000<br> $522.18000<br> $522.18000<br> $522.18000<br> $522.18000<br> $522.18000<br> $522.18000<br> $522.18000<br> $522.18000<br> $522.18000<br> $522.19000<br> $522.18000<br> $522.18000<br> $522.18000<br> $522.18000<br> $522.18000<br> $522.18000<br> $522.18000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.300% | 0.000% | 33.300% | 66.700% | $435.15 | $10443.61 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $17445.89 | 3.500% | $379.72 | $870.02 | 2025-10-02 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $870.02 (xx), which was applied for the due date of xx/xx/2025. The current xxis $379.72 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $17,445.89. | $1964.96 | $825.80 | $908.51 | $908.51 | $908.51 | $908.51 | $908.51 | $1817.02 | $908.51 | $0.00 | $908.51 | $908.51 | $0.00 | $1817.02 | $870.02 | $870.02 | $870.02 | $0.00 | $870.02 | $870.02 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1964.96000<br> $825.80000<br> $908.51000<br> $908.51000<br> $908.51000<br> $908.51000<br> $908.51000<br> $1817.02000<br> $908.51000<br> $0.00000<br> $908.51000<br> $908.51000<br> $0.00000<br> $1817.02000<br> $870.02000<br> $870.02000<br> $870.02000<br> $0.00000<br> $870.02000<br> $870.02000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.400% | 0.000% | 33.300% | 59.100% | $751.79 | $18042.98 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $236074.14 | 2.875% | $1120.21 | $1701.66 | 2025-10-03 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,701.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,120.21 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $236,074.14. | $3305.29 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1800.00 | $1800.00 | $1800.00 | $1800.00 | $1800.00 | $1800.00 | $1800.00 | $1800.00 | $1800.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3305.29000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 89.400% | 0.000% | 35.300% | 70.500% | $1521.05 | $36505.29 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $180518.83 | 3.375% | $884.19 | $884.19 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $884.19 (xx), which was applied for the due date of xx/xx/2025. The current xxis $884.19 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $180,518.83. | $0.00 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $884.19 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $884.19000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.200% | 0.000% | 33.300% | 66.700% | $699.98 | $16799.61 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $268956.71 | 2.875% | $1242.60 | $1242.60 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,242.60, which was applied for the due date of xx/xx/2025. The current xxis $1,242.60 with an interest rate of 2.875%. The current UPB is $268,956.71. | $1242.60 | $1242.60 | $2485.20 | $0.00 | $1242.60 | $2485.20 | $0.00 | $1242.60 | $2485.20 | $1242.60 | $1242.60 | $1242.60 | $0.00 | $1242.60 | $2485.20 | $0.00 | $1242.60 | $2485.20 | $0.00 | $1242.60 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1242.60000<br> $1242.60000<br> $2485.20000<br> $0.00000<br> $1242.60000<br> $2485.20000<br> $0.00000<br> $1242.60000<br> $2485.20000<br> $1242.60000<br> $1242.60000<br> $1242.60000<br> $0.00000<br> $1242.60000<br> $2485.20000<br> $0.00000<br> $1242.60000<br> $2485.20000<br> $0.00000<br> $1242.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.300% | 0.000% | 16.700% | 58.300% | $1035.50 | $24852.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $245750.15 | 3.000% | $1159.41 | $1898.78 | 2025-09-11 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,898.78 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,159.41 with an interest rate of 3.00%. The current UPB reflected as per the payment history is $245,750.15. | $3386.17 | $1839.24 | $1839.24 | $1839.24 | $1939.24 | $1939.24 | $1939.24 | $1939.24 | $1939.24 | $1909.24 | $1990.24 | $1990.24 | $1898.78 | $1948.78 | $1898.78 | $1898.78 | $1898.78 | $2048.78 | $1998.78 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3386.17000<br> $1839.24000<br> $1839.24000<br> $1839.24000<br> $1939.24000<br> $1939.24000<br> $1939.24000<br> $1939.24000<br> $1939.24000<br> $1909.24000<br> $1990.24000<br> $1990.24000<br> $1898.78000<br> $1948.78000<br> $1898.78000<br> $1898.78000<br> $1898.78000<br> $2048.78000<br> $1998.78000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.600% | 0.000% | 17.500% | 59.600% | $1586.72 | $38081.27 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $839591.86 | 3.000% | $3878.76 | $3878.76 | 2025-09-23 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,878.76 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,878.76 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $839,591.86. | $3878.76 | $3878.76 | $3878.76 | $3878.76 | $3878.76 | $7757.52 | $0.00 | $3878.76 | $3878.76 | $3878.76 | $3878.76 | $3878.76 | $3878.76 | $3878.76 | $3878.76 | $3878.76 | $3878.76 | $3878.76 | $3878.76 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-23 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3878.76000<br> $3878.76000<br> $3878.76000<br> $3878.76000<br> $3878.76000<br> $7757.52000<br> $0.00000<br> $3878.76000<br> $3878.76000<br> $3878.76000<br> $3878.76000<br> $3878.76000<br> $3878.76000<br> $3878.76000<br> $3878.76000<br> $3878.76000<br> $3878.76000<br> $3878.76000<br> $3878.76000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.200% | 0.000% | 16.700% | 58.300% | $3070.69 | $73696.44 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $920650.52 | 3.625% | $4560.51 | $6039.71 | 2025-10-02 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,039.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,560.51 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $920,650.52. | $11578.18 | $0.00 | $19715.58 | $0.00 | $6303.36 | $6303.36 | $6203.36 | $12506.72 | $0.00 | $6203.36 | $6303.36 | $6203.36 | $6303.36 | $6203.36 | $6203.36 | $6203.36 | $12079.42 | $0.00 | $6039.71 | $6039.71 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000100000 | 000001000000000000000000 | 2025-10-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $11578.18000<br> $0.00000<br> $19715.58000<br> $0.00000<br> $6303.36000<br> $6303.36000<br> $6203.36000<br> $12506.72000<br> $0.00000<br> $6203.36000<br> $6303.36000<br> $6203.36000<br> $6303.36000<br> $6203.36000<br> $6203.36000<br> $6203.36000<br> $12079.42000<br> $0.00000<br> $6039.71000<br> $6039.71000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 90.000% | 0.000% | 33.300% | 67.700% | $5433.04 | $130392.92 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $137167.19 | 3.750% | $694.67 | $1729.72 | 2025-10-02 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,729.72 (xx), which was applied for the due date of xx/xx/2025. The current xxis $694.67 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $137,167.19. | $1649.42 | $1649.42 | $1649.42 | $1689.48 | $1689.48 | $1689.48 | $1689.48 | $3378.96 | $1689.48 | $0.00 | $3378.96 | $1689.48 | $1689.48 | $1729.72 | $1729.72 | $1729.72 | $1729.72 | $1729.72 | $1729.72 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1649.42000<br> $1649.42000<br> $1649.42000<br> $1689.48000<br> $1689.48000<br> $1689.48000<br> $1689.48000<br> $3378.96000<br> $1689.48000<br> $0.00000<br> $3378.96000<br> $1689.48000<br> $1689.48000<br> $1729.72000<br> $1729.72000<br> $1729.72000<br> $1729.72000<br> $1729.72000<br> $1729.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.700% | 0.000% | 16.700% | 58.100% | $1412.95 | $33910.86 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $66863.27 | 3.750% | $346.56 | $576.37 | 2025-09-24 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $576.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $346.56 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $66,863.27. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1951.02 | $0.00 | $998.02 | $998.02 | $998.02 | $0.00 | $998.02 | $998.02 | $1152.74 | $576.37 | $576.37 | $576.37 | $576.37 | $576.37 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000012123434443212121 | 121212344434321210000000 | 2025-09-24 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1951.02000<br> $0.00000<br> $998.02000<br> $998.02000<br> $998.02000<br> $0.00000<br> $998.02000<br> $998.02000<br> $1152.74000<br> $576.37000<br> $576.37000<br> $576.37000<br> $576.37000<br> $576.37000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.300% | 0.000% | 16.700% | 72.800% | $457.32 | $10975.71 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $19453.88 | 4.130% | $129.26 | $904.74 | 2025-09-05 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $904.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $129.26 with an interest rate of 4.125%. The current UPB reflected as per the payment history is $19,453.88. | $803.16 | $803.16 | $5303.16 | $892.42 | $892.42 | $892.42 | $892.42 | $1906.84 | $0.00 | $892.42 | $892.42 | $892.42 | $892.42 | $892.42 | $892.42 | $904.74 | $904.74 | $904.74 | $904.74 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $803.16000<br> $803.16000<br> $5303.16000<br> $892.42000<br> $892.42000<br> $892.42000<br> $892.42000<br> $1906.84000<br> $0.00000<br> $892.42000<br> $892.42000<br> $892.42000<br> $892.42000<br> $892.42000<br> $892.42000<br> $904.74000<br> $904.74000<br> $904.74000<br> $904.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 98.400% | 0.000% | 16.700% | 58.000% | $889.98 | $21359.48 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $104315.58 | 5.000% | $609.98 | $1464.74 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,464.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $609.98 with an interest rate of 5.000%. The current UPB reflected as per the payment history is $104,315.58. | $3315.09 | $1485.15 | $1485.15 | $1485.15 | $1485.15 | $1485.15 | $1485.15 | $1485.15 | $1485.15 | $1485.15 | $1485.15 | $1485.15 | $1464.74 | $1464.74 | $1464.74 | $1464.74 | $1464.74 | $1464.74 | $1464.74 | $1464.74 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3315.09000<br> $1485.15000<br> $1485.15000<br> $1485.15000<br> $1485.15000<br> $1485.15000<br> $1485.15000<br> $1485.15000<br> $1485.15000<br> $1485.15000<br> $1485.15000<br> $1485.15000<br> $1464.74000<br> $1464.74000<br> $1464.74000<br> $1464.74000<br> $1464.74000<br> $1464.74000<br> $1464.74000<br> $1464.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 89.200% | 0.000% | 33.300% | 66.700% | $1307.07 | $31369.66 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $148521.86 | 4.625% | $841.56 | $1659.57 | 2025-09-30 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,659.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $841.56 with an interest rate of 4.625%. The current UPB reflected as per the payment history is $148,521.86. | $4113.56 | $1588.68 | $1588.68 | $1615.84 | $1757.92 | $1657.92 | $1757.92 | $1757.92 | $1757.92 | $1757.92 | $1757.92 | $1659.57 | $1756.27 | $3600.00 | $1800.00 | $1800.00 | $1800.00 | $1800.00 | $1800.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-23 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4113.56000<br> $1588.68000<br> $1588.68000<br> $1615.84000<br> $1757.92000<br> $1657.92000<br> $1757.92000<br> $1757.92000<br> $1757.92000<br> $1757.92000<br> $1757.92000<br> $1659.57000<br> $1756.27000<br> $3600.00000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 93.200% | 0.000% | 18.100% | 72.100% | $1547.00 | $37128.04 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $89032.55 | 6.250% | $977.69 | $1332.43 | 2025-10-02 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,332.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $977.69 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $89,032.55. | $2669.53 | $1418.00 | $2836.00 | $0.00 | $1418.00 | $1418.00 | $1418.00 | $1418.00 | $1418.00 | $1418.00 | $2836.00 | $1418.00 | $0.00 | $1333.00 | $1333.00 | $1333.00 | $1333.00 | $1333.00 | $1333.00 | $1333.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2669.53000<br> $1418.00000<br> $2836.00000<br> $0.00000<br> $1418.00000<br> $1418.00000<br> $1418.00000<br> $1418.00000<br> $1418.00000<br> $1418.00000<br> $2836.00000<br> $1418.00000<br> $0.00000<br> $1333.00000<br> $1333.00000<br> $1333.00000<br> $1333.00000<br> $1333.00000<br> $1333.00000<br> $1333.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 90.700% | 0.000% | 33.300% | 58.400% | $1209.02 | $29016.53 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $173212.35 | 3.625% | $754.31 | $1504.58 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,504.58 (xx), which was applied for the due date of xx/xx/2025. The current xxis $754.31 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $173,212.35. | $3954.33 | $1550.00 | $1560.00 | $1550.00 | $1580.00 | $1600.00 | $1565.37 | $1565.37 | $1600.00 | $1600.00 | $1600.00 | $1600.00 | $1600.00 | $1600.00 | $1600.00 | $1600.00 | $1600.00 | $1600.00 | $1600.00 | $1600.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3954.33000<br> $1550.00000<br> $1560.00000<br> $1550.00000<br> $1580.00000<br> $1600.00000<br> $1565.37000<br> $1565.37000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 94.500% | 0.000% | 35.400% | 70.900% | $1421.88 | $34125.07 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $36682.13 | 4.375% | $249.94 | $644.22 | 2025-10-01 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $644.22 (xx), which was applied for the due date of xx/xx/2025. The current xxis $249.94 with an interest rate of 4.375%. The current UPB is $36,682.13. | $1882.48 | $0.00 | $632.78 | $0.00 | $4429.46 | $632.78 | $0.00 | $632.78 | $632.78 | $632.78 | $1210.16 | $632.78 | $655.74 | $1311.48 | $1288.44 | $0.00 | $1288.44 | $0.00 | $0.00 | $1288.44 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000044444444 | 444444440000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1882.48000<br> $0.00000<br> $632.78000<br> $0.00000<br> $4429.46000<br> $632.78000<br> $0.00000<br> $632.78000<br> $632.78000<br> $632.78000<br> $1210.16000<br> $632.78000<br> $655.74000<br> $1311.48000<br> $1288.44000<br> $0.00000<br> $1288.44000<br> $0.00000<br> $0.00000<br> $1288.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 110.900% | 0.000% | 33.300% | 75.400% | $714.64 | $17151.32 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $95485.62 | 4.500% | $711.43 | $1042.68 | 2025-09-15 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,042.68 (xx), which was applied for the due date of xx/xx/2025. The current xxis $711.43 with an interest rate of 4.500%. The current UPB reflected as per the payment history is $95,485.62. | $2002.30 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $990.08 | $1000.00 | $990.08 | $990.08 | $990.08 | $990.08 | $990.08 | $990.08 | $990.08 | $990.08 | $1042.68 | $1042.68 | $1042.68 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2002.30000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $990.08000<br> $1000.00000<br> $990.08000<br> $990.08000<br> $990.08000<br> $990.08000<br> $990.08000<br> $990.08000<br> $990.08000<br> $990.08000<br> $1042.68000<br> $1042.68000<br> $1042.68000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.100% | 0.000% | 16.700% | 56.700% | $835.04 | $20041.06 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $56169.34 | 4.120% | $375.94 | $561.40 | 2025-09-15 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $561.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $375.94 with an interest rate of 4.120%. The current UPB reflected as per the payment history is $56,169.34. | $585.00 | $550.00 | $550.00 | $550.00 | $550.00 | $550.00 | $550.00 | $546.27 | $550.00 | $550.00 | $550.00 | $661.67 | $550.00 | $565.00 | $565.00 | $565.00 | $565.00 | $565.00 | $565.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $585.00000<br> $550.00000<br> $550.00000<br> $550.00000<br> $550.00000<br> $550.00000<br> $550.00000<br> $546.27000<br> $550.00000<br> $550.00000<br> $550.00000<br> $661.67000<br> $550.00000<br> $565.00000<br> $565.00000<br> $565.00000<br> $565.00000<br> $565.00000<br> $565.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.300% | 0.000% | 16.800% | 58.500% | $445.12 | $10682.94 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $101240.70 | 3.500% | $562.71 | $1264.31 | 2025-09-09 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,264.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $562.71 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $101,240.70. | $1177.40 | $2354.80 | $1177.40 | $1163.78 | $1163.78 | $1163.78 | $1163.78 | $1163.78 | $1163.78 | $1163.78 | $1163.78 | $1163.78 | $1163.78 | $1163.78 | $1163.78 | $1264.31 | $1264.31 | $1264.31 | $1264.31 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000110000 | 000011000000000000000000 | 2025-09-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1177.40000<br> $2354.80000<br> $1177.40000<br> $1163.78000<br> $1163.78000<br> $1163.78000<br> $1163.78000<br> $1163.78000<br> $1163.78000<br> $1163.78000<br> $1163.78000<br> $1163.78000<br> $1163.78000<br> $1163.78000<br> $1163.78000<br> $1264.31000<br> $1264.31000<br> $1264.31000<br> $1264.31000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.200% | 0.000% | 16.700% | 56.300% | $988.84 | $23732.20 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $90882.33 | 5.000% | $864.44 | $1705.53 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,705.53 (xx), which was applied for the due date of xx/xx/2025. The current xxis $864.44 with an interest rate of 5.00%. The current UPB reflected as per the payment history is $90,882.33. | $1297.89 | $1684.89 | $1684.89 | $1684.89 | $1684.89 | $1684.89 | $1684.89 | $1684.89 | $1684.89 | $1684.89 | $1684.89 | $1684.89 | $1684.89 | $1705.53 | $1705.53 | $1705.53 | $1705.53 | $1705.53 | $1705.53 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-25 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1297.89000<br> $1684.89000<br> $1684.89000<br> $1684.89000<br> $1684.89000<br> $1684.89000<br> $1684.89000<br> $1684.89000<br> $1684.89000<br> $1684.89000<br> $1684.89000<br> $1684.89000<br> $1684.89000<br> $1705.53000<br> $1705.53000<br> $1705.53000<br> $1705.53000<br> $1705.53000<br> $1705.53000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.600% | 0.000% | 16.700% | 58.200% | $1322.91 | $31749.75 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $80388.24 | 3.750% | $1517.55 | $1891.60 | 2025-09-08 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,891.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,517.55 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $80,388.24. | $5538.46 | $1969.26 | $0.00 | $1969.26 | $1969.26 | $1977.33 | $1977.33 | $1876.86 | $1876.86 | $1876.86 | $1876.86 | $1876.86 | $1876.86 | $1876.86 | $3753.72 | $1876.86 | $1876.86 | $1891.60 | $1891.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $5538.46000<br> $1969.26000<br> $0.00000<br> $1969.26000<br> $1969.26000<br> $1977.33000<br> $1977.33000<br> $1876.86000<br> $1876.86000<br> $1876.86000<br> $1876.86000<br> $1876.86000<br> $1876.86000<br> $1876.86000<br> $3753.72000<br> $1876.86000<br> $1876.86000<br> $1891.60000<br> $1891.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.700% | 0.000% | 16.700% | 66.300% | $1659.57 | $39829.56 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $623894.12 | 6.625% | $4001.94 | $4505.85 | 2025-09-23 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,505.85 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,001.94 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $623,894.12. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4505.85 | $4505.85 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-09-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4505.85000<br> $4505.85000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 16.700% | 16.700% | $375.49 | $9011.70 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $227023.63 | 5.500% | $1324.08 | $1755.66 | 2025-09-26 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,755.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,324.08 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $227,023.63. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8778.30 | $1755.66 | $0.00 | $3511.32 | $1755.66 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 001004321MMMMMMMMMM00000 | 00000MMMMMMMMMM123400100 | 2025-09-26 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8778.30000<br> $1755.66000<br> $0.00000<br> $3511.32000<br> $1755.66000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 16.700% | 75.000% | $658.37 | $15800.94 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $453595.64 | 4.500% | $2319.93 | $3176.40 | 2025-09-26 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,176.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,319.93 with an interest rate of 4.500%. The current UPB reflected as per the payment history is $453,595.64. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3176.40 | $0.00 | $3176.40 | $6352.80 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0110MMM | MMM0110 | 2025-09-26 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3176.40000<br> $0.00000<br> $3176.40000<br> $6352.80000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 33.300% | 33.300% | $529.40 | $12705.60 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $281060.16 | 5.500% | $1617.62 | $2201.22 | 2025-10-02 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,201.22 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,617.62 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $281,060.16. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2201.22 | $2201.22 | $2201.22 | $2201.22 | $2201.22 | $2201.22 | $2201.22 | $4402.44 | $0.00 | $2201.22 | $2201.22 | $2201.22 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-10-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2201.22000<br> $2201.22000<br> $2201.22000<br> $2201.22000<br> $2201.22000<br> $2201.22000<br> $2201.22000<br> $4402.44000<br> $0.00000<br> $2201.22000<br> $2201.22000<br> $2201.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 33.300% | 66.700% | $1100.61 | $26414.64 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $466406.90 | 6.625% | $2996.36 | $3813.25 | 2025-10-20 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,813.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,996.36 with an interest rate of 6.625%. The current UPB is $466,406.90. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3923.25 | $3923.25 | $3923.25 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-10-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3923.25000<br> $3923.25000<br> $3923.25000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.900% | 0.000% | 34.300% | 25.700% | $490.41 | $11769.75 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $460326.86 | 5.320% | $2654.74 | $2727.36 | 2025-09-22 | 2025-10-01 | 0 | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,727.36 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,654.74 with an interest rate of 5.320%. The current UPB reflected as per the tape is $460,326.86. | $2722.32 | $2722.32 | $2722.32 | $2722.32 | $2722.32 | $2722.32 | $2722.32 | $2722.32 | $2722.32 | $2722.32 | $2722.32 | $2722.32 | $2722.32 | $2722.32 | $2722.32 | $2727.82 | $2727.36 | $2727.36 | $2727.36 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2722.32000<br> $2722.32000<br> $2722.32000<br> $2722.32000<br> $2722.32000<br> $2722.32000<br> $2722.32000<br> $2722.32000<br> $2722.32000<br> $2722.32000<br> $2722.32000<br> $2722.32000<br> $2722.32000<br> $2722.32000<br> $2722.32000<br> $2727.82000<br> $2727.36000<br> $2727.36000<br> $2727.36000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.100% | 0.000% | 16.700% | 58.300% | $2156.03 | $51744.70 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $97772.97 | 6.990% | $676.93 | $844.94 | 2025-09-22 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $844.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $676.93 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $97,772.97. | $3000.00 | $836.90 | $836.90 | $836.90 | $836.90 | $836.90 | $836.90 | $836.90 | $844.94 | $844.94 | $844.94 | $844.94 | $844.94 | $844.94 | $844.94 | $844.94 | $844.94 | $844.94 | $844.94 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000000 | 0000000000000000000 | 2025-09-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3000.00000<br> $836.90000<br> $836.90000<br> $836.90000<br> $836.90000<br> $836.90000<br> $836.90000<br> $836.90000<br> $844.94000<br> $844.94000<br> $844.94000<br> $844.94000<br> $844.94000<br> $844.94000<br> $844.94000<br> $844.94000<br> $844.94000<br> $844.94000<br> $844.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 89.500% | 0.000% | 16.700% | 58.300% | $756.36 | $18152.64 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $360025.59 | 6.490% | $2275.31 | $2977.63 | 2025-09-22 | 2025-10-01 | 0 | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,977.63 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,275.31 with an interest rate of 6.490%. The current UPB is $360,025.59. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2977.63 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-09-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2977.63000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $124.07 | $2977.63 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $157394.82 | 6.375% | $1002.50 | $1432.13 | 2025-09-22 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,432.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,002.50 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $157,394.82. | $0.00 | $0.00 | $1613.11 | $1413.11 | $1413.11 | $1819.87 | $0.00 | $0.00 | $1413.11 | $1413.11 | $0.00 | $0.00 | $7065.55 | $1432.13 | $1432.13 | $1432.13 | $1432.13 | $1432.13 | $1432.13 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000004322210000 | 00001222340000000 | 2025-09-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $1613.11000<br> $1413.11000<br> $1413.11000<br> $1819.87000<br> $0.00000<br> $0.00000<br> $1413.11000<br> $1413.11000<br> $0.00000<br> $0.00000<br> $7065.55000<br> $1432.13000<br> $1432.13000<br> $1432.13000<br> $1432.13000<br> $1432.13000<br> $1432.13000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.000% | 0.000% | 16.700% | 91.100% | $1030.99 | $24743.75 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $193929.14 | 7.250% | $1332.98 | $1775.14 | 2025-09-22 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,775.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,332.98 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $193,929.14. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1775.14 | $1775.14 | $1775.14 | $1775.14 | $1775.14 | $1775.14 | $1775.14 | $1775.14 | $1775.14 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-09-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1775.14000<br> $1775.14000<br> $1775.14000<br> $1775.14000<br> $1775.14000<br> $1775.14000<br> $1775.14000<br> $1775.14000<br> $1775.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 16.700% | 58.300% | $665.68 | $15976.26 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $148031.90 | 6.875% | $985.40 | $1375.22 | 2025-09-22 | 2025-08-01 | 1 | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,375.22 (xx), which was applied for the due date of xx/xx/2025. The current xxis $985.40 with an interest rate of 6.875%. The current UPB reflected as per the tape is $148,031.90. | $0.00 | $1375.22 | $0.00 | $1375.22 | $1375.22 | $1375.22 | $0.00 | $0.00 | $1375.22 | $2750.44 | $1375.22 | $0.00 | $2750.44 | $0.00 | $2750.44 | $1375.22 | $1375.22 | $1375.22 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1111212112210000 | 0000122112121111 | 2025-08-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $1375.22000<br> $0.00000<br> $1375.22000<br> $1375.22000<br> $1375.22000<br> $0.00000<br> $0.00000<br> $1375.22000<br> $2750.44000<br> $1375.22000<br> $0.00000<br> $2750.44000<br> $0.00000<br> $2750.44000<br> $1375.22000<br> $1375.22000<br> $1375.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 62.500% | 0.000% | 0.000% | 58.300% | $859.51 | $20628.30 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $77991.71 | 6.875% | $524.89 | $946.65 | 2025-09-22 | 2025-10-01 | 0 | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $946.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $524.89 with an interest rate of 6.875%. The current UPB is $77,991.71 and the deferred balance is $2,099.56.<br> As per the deferred agreement located at "xx" the deferred balance is $2,099.56. | $0.00 | $0.00 | $0.00 | $1055.64 | $1055.64 | $1055.64 | $0.00 | $1055.64 | $0.00 | $1055.64 | $3166.92 | $0.00 | $2111.28 | $0.00 | $0.00 | $0.00 | $946.65 | $946.65 | $950.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0004321212211000 | 0001122121234000 | 2025-09-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $1055.64000<br> $1055.64000<br> $1055.64000<br> $0.00000<br> $1055.64000<br> $0.00000<br> $1055.64000<br> $3166.92000<br> $0.00000<br> $2111.28000<br> $0.00000<br> $0.00000<br> $0.00000<br> $946.65000<br> $946.65000<br> $950.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 59.000% | 0.000% | 16.700% | 43.600% | $558.32 | $13399.70 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $219544.95 | 6.990% | $1475.49 | $1475.49 | 2025-09-22 | 2025-10-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,475.49 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,475.49 with an interest rate of 6.990%. The current UPB is $219,544.95. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1475.49 | $1475.49 | $1475.49 | $1475.49 | $1475.49 | $1475.49 | $1475.49 | $1475.49 | $1475.49 | $1475.49 | $1475.49 | $1475.49 | $1475.49 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-09-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1475.49000<br> $1475.49000<br> $1475.49000<br> $1475.49000<br> $1475.49000<br> $1475.49000<br> $1475.49000<br> $1475.49000<br> $1475.49000<br> $1475.49000<br> $1475.49000<br> $1475.49000<br> $1475.49000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 16.700% | 58.300% | $799.22 | $19181.37 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $516257.99 | 6.625% | $3329.62 | $3329.62 | 2025-09-22 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,329.62 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,329.62 with an interest rate of 6.625%. The current UPB is $516,257.99. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3329.62 | $3329.62 | $3329.62 | $3329.62 | $3329.62 | $3329.62 | $3329.62 | $3329.62 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-09-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3329.62000<br> $3329.62000<br> $3329.62000<br> $3329.62000<br> $3329.62000<br> $3329.62000<br> $3329.62000<br> $3329.62000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 16.700% | 58.300% | $1109.87 | $26636.96 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $358479.90 | 6.750% | $2329.12 | $3418.20 | 2025-09-22 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,418.20 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,329.12 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $358,479.90. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3418.20 | $3418.20 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-09-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3418.20000<br> $3418.20000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 16.700% | 16.700% | $284.85 | $6836.40 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $384350.96 | 6.250% | $2368.77 | $2911.94 | 2025-09-22 | 2025-10-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,911.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,368.77 with an interest rate of 6.250%. The current UPB reflected as per the tape is $384,350.96. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2911.94 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-09-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2911.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $121.33 | $2911.94 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $136852.50 | 6.500% | $872.26 | $1040.86 | 2025-09-22 | 2025-10-01 | 0 | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,040.86 (xx), which was applied for the due date of xx/xx/2025. The current xxis $872.26 with an interest rate of 6.500%. The current UPB reflected as per the tape is $136,852.50. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1040.86 | $1040.86 | $1040.86 | $1040.86 | $1040.86 | $1040.86 | $1040.86 | $1040.86 | $1040.86 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-09-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1040.86000<br> $1040.86000<br> $1040.86000<br> $1040.86000<br> $1040.86000<br> $1040.86000<br> $1040.86000<br> $1040.86000<br> $1040.86000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 16.700% | 58.300% | $390.32 | $9367.74 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $735757.92 | 6.125% | $4546.77 | $5584.62 | 2025-09-22 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,584.62 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,546.77 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $735,757.92. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5263.83 | $5263.83 | $5263.83 | $5263.83 | $5263.83 | $5263.83 | $5263.83 | $5263.83 | $5584.62 | $5584.62 | $5584.62 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-09-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5263.83000<br> $5263.83000<br> $5263.83000<br> $5263.83000<br> $5263.83000<br> $5263.83000<br> $5263.83000<br> $5263.83000<br> $5584.62000<br> $5584.62000<br> $5584.62000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 43.900% | 0.000% | 16.700% | 56.400% | $2452.69 | $58864.50 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $265500.00 | 6.625% | $1700.03 |  | 2025-09-29 | 2025-11-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $1,700.03 with an interest rate of 6.625%. The current UPB is $265,500.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $423367.43 | 7.490% | $2961.77 | $3589.78 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,589.78 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,961.77 with an interest rate of 7.490%. The current UPB reflected as per the payment history is $423,367.43. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3589.78 | $3589.78 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3589.78000<br> $3589.78000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $299.15 | $7179.56 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $101818.39 | 6.990% | $691.22 | $923.39 | 2025-09-22 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $923.39 (xx), which was applied for the due date of xx/xx/2025. The current xxis $691.22 with an interest rate of 6.990%. The current UPB is $101,818.39. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-09-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.700% | 0.000% | 18.000% | 63.200% | $541.67 | $13000.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $73408.61 | 4.500% | $1687.50 | $1989.47 | 2025-09-22 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,989.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,687.50 with an interest rate of 4.500%. The current UPB reflected as per the payment history is $73,408.61.<br> As per the comment dated xx/xx/2023, xx/xx/2024 and xx/xx/2024, the payments made in October 2023, xxare borrower payments. | $11852.24 | $9000.00 | $1926.12 | $1926.12 | $1926.12 | $1926.12 | $1926.12 | $1926.12 | $1907.74 | $1907.74 | $1907.74 | $1907.74 | $1989.47 | $1989.47 | $1989.47 | $1989.47 | $1989.47 | $1989.47 | $1989.47 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-13 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $11852.24000<br> $9000.00000<br> $1926.12000<br> $1926.12000<br> $1926.12000<br> $1926.12000<br> $1926.12000<br> $1926.12000<br> $1907.74000<br> $1907.74000<br> $1907.74000<br> $1907.74000<br> $1989.47000<br> $1989.47000<br> $1989.47000<br> $1989.47000<br> $1989.47000<br> $1989.47000<br> $1989.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 113.000% | 0.000% | 16.700% | 58.300% | $2248.59 | $53966.21 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $346808.36 | 3.875% | $1429.51 | $1941.90 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,941.90 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,429.51 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $346,808.36. As per the deferral letter located at "xx" the lender deferred the 3 payments in the total amount of $5,360.70. | $0.00 | $4683.72 | $0.00 | $2341.86 | $1861.98 | $2341.86 | $2314.93 | $0.00 | $2314.93 | $0.00 | $0.00 | $0.00 | $2314.93 | $2314.93 | $1941.90 | $1941.90 | $2000.00 | $1980.00 | $2000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000004443211003211211100 | 001112112300112344400000 | 2025-09-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $4683.72000<br> $0.00000<br> $2341.86000<br> $1861.98000<br> $2341.86000<br> $2314.93000<br> $0.00000<br> $2314.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2314.93000<br> $2314.93000<br> $1941.90000<br> $1941.90000<br> $2000.00000<br> $1980.00000<br> $2000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 65.100% | 0.000% | 17.200% | 62.200% | $1264.71 | $30352.94 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $277461.23 | 3.250% | $1364.37 | $1752.52 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,752.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,364.37 with an interest rate of 3.250%. The current UPB is $277,461.23. | $1699.69 | $3458.30 | $1729.15 | $1729.15 | $1729.15 | $1729.15 | $1729.15 | $1729.15 | $0.00 | $3458.30 | $1729.15 | $2000.00 | $0.00 | $1752.52 | $3505.04 | $2000.00 | $0.00 | $1752.52 | $1752.52 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1699.69000<br> $3458.30000<br> $1729.15000<br> $1729.15000<br> $1729.15000<br> $1729.15000<br> $1729.15000<br> $1729.15000<br> $0.00000<br> $3458.30000<br> $1729.15000<br> $2000.00000<br> $0.00000<br> $1752.52000<br> $3505.04000<br> $2000.00000<br> $0.00000<br> $1752.52000<br> $1752.52000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.600% | 0.000% | 16.700% | 51.200% | $1395.12 | $33482.94 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $300831.05 | 4.380% | $1607.70 | $2127.82 | 2025-09-30 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,127.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,607.70 with an interest rate of 4.380%. The current UPB reflected as per the payment history is $300,831.05. | $1867.08 | $1913.29 | $1913.29 | $1913.29 | $1913.29 | $1913.29 | $1913.29 | $1913.29 | $1913.29 | $1913.29 | $1913.29 | $1913.29 | $1913.29 | $2127.82 | $2127.82 | $2127.82 | $2127.82 | $2127.82 | $2127.82 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1867.08000<br> $1913.29000<br> $1913.29000<br> $1913.29000<br> $1913.29000<br> $1913.29000<br> $1913.29000<br> $1913.29000<br> $1913.29000<br> $1913.29000<br> $1913.29000<br> $1913.29000<br> $1913.29000<br> $2127.82000<br> $2127.82000<br> $2127.82000<br> $2127.82000<br> $2127.82000<br> $2127.82000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.600% | 0.000% | 16.700% | 57.500% | $1566.40 | $37593.48 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $106573.59 | 3.375% | $526.36 | $979.42 | 2025-09-30 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $979.42 (xx), which was applied for the due date of xx/xx/2025. The current xxis $526.36 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $106,573.59. | $1357.69 | $1357.69 | $1357.69 | $1357.69 | $1357.69 | $1357.69 | $1357.69 | $1357.69 | $1357.69 | $1357.69 | $1357.69 | $1357.69 | $979.42 | $979.42 | $979.42 | $979.42 | $979.42 | $979.42 | $979.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1357.69000<br> $1357.69000<br> $1357.69000<br> $1357.69000<br> $1357.69000<br> $1357.69000<br> $1357.69000<br> $1357.69000<br> $1357.69000<br> $1357.69000<br> $1357.69000<br> $1357.69000<br> $979.42000<br> $979.42000<br> $979.42000<br> $979.42000<br> $979.42000<br> $979.42000<br> $979.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 98.500% | 0.000% | 16.700% | 58.300% | $964.51 | $23148.22 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $713841.64 | 3.875% | $3620.83 | $3620.83 | 2025-09-30 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,620.83 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,620.83 with an interest rate of 3.875%. The current UPB is $713,841.64. | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $3620.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $3620.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.200% | 0.000% | 16.700% | 58.300% | $2866.49 | $68795.77 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $183577.39 | 7.375% | $1270.84 | $1792.36 | 2025-09-30 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,792.36 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,270.84 with an interest rate of 7.375%. The current UPB, reflected as per the payment history, is $183,577.39. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1792.36 | $1792.36 | $1792.36 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1111 | 1111 | 2025-09-25 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1792.36000<br> $1792.36000<br> $1792.36000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $224.05 | $5377.08 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $226452.65 | 6.375% | $1416.73 | $1866.93 | 2025-10-01 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,866.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,416.73 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $226,452.65.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1866.93 | $1866.93 | $1866.93 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-09-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1866.93000<br> $1866.93000<br> $1866.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $233.37 | $5600.79 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $297548.08 | 6.750% | $1947.51 | $2330.11 | 2025-10-01 | 2025-10-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,330.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,947.51 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $297,548.08. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2330.11 | $2330.11 | $2330.11 | $2330.11 | $2330.11 | $2330.11 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-09-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2330.11000<br> $2330.11000<br> $2330.11000<br> $2330.11000<br> $2330.11000<br> $2330.11000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 16.700% | 50.000% | $582.53 | $13980.66 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $258096.51 | 6.875% | $1716.23 | $2207.33 | 2025-09-11 | 2025-10-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,207.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,716.23 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $258,096.51. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2183.24 | $2183.24 | $2183.24 | $2183.24 | $2183.24 | $2183.24 | $4366.48 | $0.00 | $2183.24 | $2183.24 | $2183.24 | $2183.24 | $2407.33 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-09-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2183.24000<br> $2183.24000<br> $2183.24000<br> $2183.24000<br> $2183.24000<br> $2183.24000<br> $4366.48000<br> $0.00000<br> $2183.24000<br> $2183.24000<br> $2183.24000<br> $2183.24000<br> $2407.33000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.000% | 0.000% | 18.200% | 58.500% | $1191.93 | $28606.21 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $452505.65 | 6.125% | $2782.86 | $2782.86 | 2025-09-26 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,782.86 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,782.86 with an interest rate of 6.125%. The current UPB is $452,505.65. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5565.72 | $5565.72 | $2782.86 | $2782.86 | $2782.86 | $2782.86 | $2782.86 | $2782.86 | $2782.86 | $2782.86 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-09-26 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5565.72000<br> $5565.72000<br> $2782.86000<br> $2782.86000<br> $2782.86000<br> $2782.86000<br> $2782.86000<br> $2782.86000<br> $2782.86000<br> $2782.86000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 16.700% | 58.300% | $1391.43 | $33394.32 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $543082.09 | 5.880% | $3286.45 | $4029.37 | 2025-09-04 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,029.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,286.45 with an interest rate of 5.880%. The current UPB reflected as per the payment history is $543,082.09. | $8058.74 | $0.00 | $4029.37 | $4029.37 | $4029.37 | $4029.37 | $8058.74 | $0.00 | $4029.37 | $4029.37 | $4029.37 | $4029.37 | $4029.37 | $4029.37 | $4029.37 | $8058.74 | $0.00 | $4029.37 | $4029.37 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $8058.74000<br> $0.00000<br> $4029.37000<br> $4029.37000<br> $4029.37000<br> $4029.37000<br> $8058.74000<br> $0.00000<br> $4029.37000<br> $4029.37000<br> $4029.37000<br> $4029.37000<br> $4029.37000<br> $4029.37000<br> $4029.37000<br> $8058.74000<br> $0.00000<br> $4029.37000<br> $4029.37000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.200% | 0.000% | 16.700% | 58.300% | $3189.92 | $76558.03 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $228935.09 | 6.450% | $1446.20 | $1779.20 | 2025-09-26 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,779.20 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,446.20 with an interest rate of 6.450%. The current UPB reflected as per the payment history is $228,935.09. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1779.20 | $1779.20 | $1779.20 | $0.00 | $3558.40 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-09-26 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1779.20000<br> $1779.20000<br> $1779.20000<br> $0.00000<br> $3558.40000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 33.300% | 41.700% | $370.67 | $8896.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $539390.00 | 7.125% | $3633.97 | $4437.25 | 2025-09-16 | 2025-10-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to tape as of xx/xx/2025, the next due date is xx/xx/2025. The current xxis $3,633.97 with an interest rate of 7.125%. The current UPB reflected as per the tape is $539,390.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $156833.96 | 6.499% | $1043.26 | $2365.18 | 2025-10-07 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,365.18 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,043.26 with an interest rate of 6.499%. The current UPB reflected as per the payment history is $156,833.96.<br> As per the comment dated xx/xx/2025, the payments made in Sept 2025 are borrower payments. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $12603.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-09-25 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $12603.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 22.200% | 0.000% | 88.800% | 44.400% | $525.14 | $12603.42 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $337243.14 | 7.374% | $2330.80 | $3297.56 | 2025-10-03 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,297.56 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,330.80 with an interest rate of 7.374%. The current UPB reflected as per the payment history is $337,243.14. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3297.56 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-09-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3297.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $137.40 | $3297.56 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $214800.52 | 8.375% | $1634.81 | $1634.81 | 2025-10-06 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,634.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,634.81 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $214,800.52. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1700.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-09-23 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1700.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.300% | 0.000% | 17.300% | 8.700% | $70.83 | $1700.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $979300.00 | 6.880% | $5610.57 | $6751.45 | 2025-10-08 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,751.45 (xx), which was applied for the due date of xx/xx/2025. The current interest-only payment is $5,610.57 with an interest rate of 6.880%. The current UPB reflected as per the payment history is $979,300.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6751.45 | $6751.45 | $6751.45 | $6751.45 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-10-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6751.45000<br> $6751.45000<br> $6751.45000<br> $6751.45000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 33.300% | 33.300% | $1125.24 | $27005.80 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $539360.11 | 4.125% | $2806.07 | $4333.93 | 2025-10-28 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,333.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,806.24 with an interest rate of 4.125%. The current UPB reflected as per the payment history is $539,360.11. | $3839.75 | $3779.24 | $3779.24 | $0.00 | $7558.48 | $3779.24 | $3779.24 | $3779.24 | $3779.24 | $3779.24 | $0.00 | $11337.72 | $0.00 | $4333.93 | $4333.93 | $4333.93 | $4333.93 | $4333.93 | $4333.93 | $4333.93 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000100000010000000 | 000000010000001000000000 | 2025-10-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3839.75000<br> $3779.24000<br> $3779.24000<br> $0.00000<br> $7558.48000<br> $3779.24000<br> $3779.24000<br> $3779.24000<br> $3779.24000<br> $3779.24000<br> $0.00000<br> $11337.72000<br> $0.00000<br> $4333.93000<br> $4333.93000<br> $4333.93000<br> $4333.93000<br> $4333.93000<br> $4333.93000<br> $4333.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.500% | 0.000% | 33.300% | 58.300% | $3313.67 | $79528.14 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $270701.47 | 2.500% | $2440.45 | $3065.23 | 2025-10-28 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,065.23 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,440.45 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $270,701.47. | $0.00 | $3080.00 | $3080.00 | $3080.00 | $0.00 | $6159.96 | $3080.02 | $3080.00 | $3080.00 | $3080.02 | $3065.23 | $3065.23 | $3065.23 | $3065.23 | $3065.23 | $3065.23 | $3065.23 | $3065.23 | $3065.23 | $3100.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000100000000 | 000000001000000000000000 | 2025-10-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $3080.00000<br> $3080.00000<br> $3080.00000<br> $0.00000<br> $6159.96000<br> $3080.02000<br> $3080.00000<br> $3080.00000<br> $3080.02000<br> $3065.23000<br> $3065.23000<br> $3065.23000<br> $3065.23000<br> $3065.23000<br> $3065.23000<br> $3065.23000<br> $3065.23000<br> $3065.23000<br> $3100.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.400% | 0.000% | 33.500% | 66.800% | $2433.63 | $58407.07 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $272034.38 | 2.375% | $1188.89 | $2239.79 | 2025-10-02 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,239.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,188.89 with an interest rate of 2.375%. The current UPB reflected as per the payment history is $272,034.38. | $2206.87 | $2167.39 | $2267.39 | $2217.39 | $2167.39 | $2167.39 | $2167.39 | $2167.39 | $2167.39 | $2167.39 | $2167.39 | $2167.39 | $2167.39 | $2329.87 | $2239.79 | $2239.79 | $2239.79 | $2239.79 | $2239.79 | $2239.79 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2206.87000<br> $2167.39000<br> $2267.39000<br> $2217.39000<br> $2167.39000<br> $2167.39000<br> $2167.39000<br> $2167.39000<br> $2167.39000<br> $2167.39000<br> $2167.39000<br> $2167.39000<br> $2167.39000<br> $2329.87000<br> $2239.79000<br> $2239.79000<br> $2239.79000<br> $2239.79000<br> $2239.79000<br> $2239.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.100% | 0.000% | 33.300% | 66.700% | $1838.92 | $44134.16 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $183617.08 | 3.750% | $961.71 | $1463.04 | 2025-10-28 | 2025-11-02 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,463.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $961.71 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $183,617.08. | $1652.60 | $1469.66 | $1469.66 | $1469.66 | $1469.66 | $1469.66 | $1469.66 | $1469.66 | $1469.66 | $1469.66 | $1469.66 | $1469.66 | $1469.66 | $1463.04 | $1463.04 | $1463.04 | $1463.04 | $1463.04 | $1463.04 | $1463.04 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1652.60000<br> $1469.66000<br> $1469.66000<br> $1469.66000<br> $1469.66000<br> $1469.66000<br> $1469.66000<br> $1469.66000<br> $1469.66000<br> $1469.66000<br> $1469.66000<br> $1469.66000<br> $1469.66000<br> $1463.04000<br> $1463.04000<br> $1463.04000<br> $1463.04000<br> $1463.04000<br> $1463.04000<br> $1463.04000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.100% | 0.000% | 33.300% | 66.700% | $1230.41 | $29529.80 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $213084.67 | 3.875% | $1090.95 | $1878.84 | 2025-10-28 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,878.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,090.95 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $213,084.67. | $1970.05 | $1811.48 | $1811.48 | $1811.48 | $1811.48 | $1811.48 | $1811.48 | $1811.48 | $1811.48 | $1811.48 | $1811.48 | $1811.48 | $1811.48 | $1878.84 | $1878.84 | $1878.84 | $1878.84 | $1878.84 | $1878.84 | $1878.84 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1970.05000<br> $1811.48000<br> $1811.48000<br> $1811.48000<br> $1811.48000<br> $1811.48000<br> $1811.48000<br> $1811.48000<br> $1811.48000<br> $1811.48000<br> $1811.48000<br> $1811.48000<br> $1811.48000<br> $1878.84000<br> $1878.84000<br> $1878.84000<br> $1878.84000<br> $1878.84000<br> $1878.84000<br> $1878.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.700% | 0.000% | 33.300% | 66.400% | $1535.82 | $36859.69 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $371274.92 | 2.500% | $1687.64 | $2610.27 | 2025-10-28 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,610.27 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,687.64 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $371,274.92. | $2480.14 | $2480.14 | $2480.04 | $2480.14 | $2480.14 | $2480.14 | $2480.14 | $2480.14 | $2480.14 | $2480.14 | $2610.27 | $2610.27 | $2610.27 | $2610.27 | $2610.27 | $2610.27 | $2610.27 | $2610.27 | $2610.27 | $2610.27 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2480.14000<br> $2480.14000<br> $2480.04000<br> $2480.14000<br> $2480.14000<br> $2480.14000<br> $2480.14000<br> $2480.14000<br> $2480.14000<br> $2480.14000<br> $2610.27000<br> $2610.27000<br> $2610.27000<br> $2610.27000<br> $2610.27000<br> $2610.27000<br> $2610.27000<br> $2610.27000<br> $2610.27000<br> $2610.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.300% | 0.000% | 33.300% | 66.700% | $2121.00 | $50904.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $181806.67 | 5.125% | $1042.84 | $1686.91 | 2025-09-30 | 2025-05-01 | 4 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,686.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,042.84 with an interest rate of 5.125%. The current UPB reflected as per the payment history is $181,806.67. | $1644.88 | $1644.88 | $1644.88 | $1621.58 | $1621.58 | $1621.58 | $0.00 | $3243.16 | $1621.58 | $1621.58 | $0.00 | $1621.58 | $4930.07 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 444321001100010000000000 | 000000000010001100123444 | 2025-03-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1644.88000<br> $1644.88000<br> $1644.88000<br> $1621.58000<br> $1621.58000<br> $1621.58000<br> $0.00000<br> $3243.16000<br> $1621.58000<br> $1621.58000<br> $0.00000<br> $1621.58000<br> $4930.07000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 56.400% | 0.000% | 0.000% | 24.400% | $951.56 | $22837.35 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $271756.20 | 3.750% | $1342.26 | $1842.43 | 2025-10-28 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,842.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,342.26 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $271,756.20. | $1738.86 | $1738.86 | $1738.86 | $1738.86 | $1738.86 | $1738.86 | $1738.86 | $0.00 | $1738.86 | $1738.86 | $3428.47 | $1689.61 | $1689.61 | $1689.61 | $1689.61 | $1689.61 | $1689.61 | $1836.43 | $1836.43 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000001110000000MMMMM | MMMMM0000000111000000000 | 2025-09-26 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1738.86000<br> $1738.86000<br> $1738.86000<br> $1738.86000<br> $1738.86000<br> $1738.86000<br> $1738.86000<br> $0.00000<br> $1738.86000<br> $1738.86000<br> $3428.47000<br> $1689.61000<br> $1689.61000<br> $1689.61000<br> $1689.61000<br> $1689.61000<br> $1689.61000<br> $1836.43000<br> $1836.43000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.400% | 0.000% | 16.600% | 54.800% | $1370.36 | $32888.73 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $516051.32 | 7.250% | $3683.62 | $4347.88 | 2025-10-13 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,347.88 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,683.62 with an interest rate of 7.25%. The current UPB reflected as per the payment history is $516,051.32. | $0.00 | $8173.56 | $4086.78 | $4086.78 | $1088.24 | $7085.32 | $4086.78 | $4086.78 | $4086.78 | $4086.78 | $4942.62 | $4942.62 | $4942.62 | $4942.62 | $4942.62 | $4493.29 | $4942.62 | $4942.62 | $4942.62 | $4782.67 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000000MMMMM | MMMMM0000000000000000000 | 2025-10-13 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $8173.56000<br> $4086.78000<br> $4086.78000<br> $1088.24000<br> $7085.32000<br> $4086.78000<br> $4086.78000<br> $4086.78000<br> $4086.78000<br> $4942.62000<br> $4942.62000<br> $4942.62000<br> $4942.62000<br> $4942.62000<br> $4493.29000<br> $4942.62000<br> $4942.62000<br> $4942.62000<br> $4782.67000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 85.900% | 0.000% | 37.300% | 74.600% | $3736.86 | $89684.72 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $264367.71 | 3.250% | $1269.28 | $2253.39 | 2025-10-02 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,253.39 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,269.28 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $264,367.71. | $2089.23 | $1959.26 | $1959.26 | $1959.26 | $1959.26 | $1959.26 | $1959.26 | $1959.26 | $1959.26 | $1959.26 | $1959.26 | $1959.26 | $1959.26 | $2253.39 | $2253.39 | $2253.39 | $2253.39 | $2253.39 | $2253.39 | $2253.39 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2089.23000<br> $1959.26000<br> $1959.26000<br> $1959.26000<br> $1959.26000<br> $1959.26000<br> $1959.26000<br> $1959.26000<br> $1959.26000<br> $1959.26000<br> $1959.26000<br> $1959.26000<br> $1959.26000<br> $2253.39000<br> $2253.39000<br> $2253.39000<br> $2253.39000<br> $2253.39000<br> $2253.39000<br> $2253.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.500% | 0.000% | 33.300% | 65.600% | $1723.92 | $41374.08 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $198400.03 | 3.625% | $1025.77 | $1473.39 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,473.39 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,025.77 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $198,400.03. | $1464.74 | $1464.74 | $1464.74 | $1464.74 | $0.00 | $1464.74 | $1464.74 | $1464.74 | $1464.74 | $1464.74 | $1464.74 | $1464.74 | $1464.74 | $1473.39 | $1473.39 | $1473.39 | $1473.39 | $1473.39 | $1473.39 | $1473.39 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1464.74000<br> $1464.74000<br> $1464.74000<br> $1464.74000<br> $0.00000<br> $1464.74000<br> $1464.74000<br> $1464.74000<br> $1464.74000<br> $1464.74000<br> $1464.74000<br> $1464.74000<br> $1464.74000<br> $1473.39000<br> $1473.39000<br> $1473.39000<br> $1473.39000<br> $1473.39000<br> $1473.39000<br> $1473.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.900% | 0.000% | 33.300% | 66.600% | $1162.11 | $27890.61 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $123206.36 | 3.375% | $596.08 | $1007.60 | 2025-10-07 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,007.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $596.08 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $123,206.36. | $889.83 | $889.83 | $889.83 | $889.83 | $1061.22 | $1061.22 | $1061.22 | $1061.22 | $1161.22 | $1007.60 | $1007.60 | $1007.60 | $1007.60 | $1007.60 | $1007.60 | $1007.60 | $0.00 | $1007.60 | $1007.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00MM11111111111111111111 | 11111111111111111111MM00 | 2025-09-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $889.83000<br> $889.83000<br> $889.83000<br> $889.83000<br> $1061.22000<br> $1061.22000<br> $1061.22000<br> $1061.22000<br> $1161.22000<br> $1007.60000<br> $1007.60000<br> $1007.60000<br> $1007.60000<br> $1007.60000<br> $1007.60000<br> $1007.60000<br> $0.00000<br> $1007.60000<br> $1007.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.600% | 0.000% | 16.700% | 50.000% | $751.41 | $18033.82 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $152000.00 | 7.125% | $1024.05 |  | 2025-10-02 | 2025-11-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $1,024.05 with an interest rate of 7.125%. The current UPB reflected as per the tape data is $152,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $527532.28 | 7.375% | $3646.31 | $4254.01 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,254.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,646.31 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $527,532.28. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4254.01 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4254.01000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $177.25 | $4254.01 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $65047.47 | 7.500% | $458.68 | $625.01 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $625.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $458.68 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $65,047.47. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $625.01 | $625.01 | $625.01 | $625.01 | $625.01 | $625.01 | $625.01 | $625.01 | $625.01 | $625.01 | $625.01 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $625.01000<br> $625.01000<br> $625.01000<br> $625.01000<br> $625.01000<br> $625.01000<br> $625.01000<br> $625.01000<br> $625.01000<br> $625.01000<br> $625.01000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 33.300% | 66.700% | $286.46 | $6875.11 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $109250.27 | 5.750% | $669.54 | $1087.87 | 2025-11-24 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,087.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $669.54 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $109,250.27. | $0.00 | $2996.01 | $998.67 | $998.67 | $998.67 | $998.67 | $998.67 | $1104.49 | $1104.49 | $1104.49 | $1104.49 | $0.00 | $0.00 | $0.00 | $341.94 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $10995.04 | $0.00 | $0.00 | $0.00 | 044444432100000000002111 | 111200000000001234444440 | 2025-11-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $2996.01000<br> $998.67000<br> $998.67000<br> $998.67000<br> $998.67000<br> $998.67000<br> $1104.49000<br> $1104.49000<br> $1104.49000<br> $1104.49000<br> $0.00000<br> $0.00000<br> $0.00000<br> $341.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $10995.04000<br> $0.00000<br> $0.00000<br> $0.00000 | 90.900% | 0.000% | 168.400% | 86.800% | $989.35 | $23744.30 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $363584.47 | 3.625% | $1919.51 | $3726.53 | 2025-11-24 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,726.53 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,919.51 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $363,584.47. | $3965.22 | $3965.22 | $3965.22 | $3965.22 | $3965.22 | $4061.20 | $0.00 | $3965.22 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $45216.24 | $0.00 | $3726.53 | $0.00 | $0.00 | $0.00 | 044444444321100000000000 | 000000000001123444444440 | 2025-11-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3965.22000<br> $3965.22000<br> $3965.22000<br> $3965.22000<br> $3965.22000<br> $4061.20000<br> $0.00000<br> $3965.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $45216.24000<br> $0.00000<br> $3726.53000<br> $0.00000<br> $0.00000<br> $0.00000 | 85.900% | 0.000% | 218.900% | 109.400% | $3199.80 | $76795.29 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $461726.46 | 7.125% | $3158.06 | $3866.40 | 2025-11-03 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,866.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,158.06 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $461,726.46. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4057.97 | $4057.97 | $4057.97 | $4057.97 | $4057.97 | $4057.97 | $4057.97 | $4057.97 | $4057.97 | $4057.97 | $4057.97 | $4057.97 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4057.97000<br> $4057.97000<br> $4057.97000<br> $4057.97000<br> $4057.97000<br> $4057.97000<br> $4057.97000<br> $4057.97000<br> $4057.97000<br> $4057.97000<br> $4057.97000<br> $4057.97000<br> $0.00000<br> $0.00000<br> $0.00000 | 52.500% | 0.000% | 52.500% | 78.700% | $2028.99 | $48695.64 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $282005.85 | 5.250% | $1573.78 | $2310.93 | 2025-09-30 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,310.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,573.78 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $282,005.85. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4621.86 | $0.00 | $2310.93 | $2310.93 | $4621.86 | $0.00 | $2310.93 | $4621.86 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-09-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4621.86000<br> $0.00000<br> $2310.93000<br> $2310.93000<br> $4621.86000<br> $0.00000<br> $2310.93000<br> $4621.86000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 33.300% | 58.300% | $866.60 | $20798.37 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $752972.94 | 6.250% | $4658.52 | $5215.98 | 2025-10-03 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,215.98 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,658.52 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $752,972.94. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5215.98 | $5215.98 | $5215.98 | $5215.98 | $5215.98 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-10-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5215.98000<br> $5215.98000<br> $5215.98000<br> $5215.98000<br> $5215.98000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 33.300% | 41.700% | $1086.66 | $26079.90 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $242865.59 | 6.990% | $2209.74 | $2529.79 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,529.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,209.74 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $242,865.59. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5059.58 | $2529.79 | $2529.79 | $0.00 | $0.00 | $0.00 | $0.00 | 0001 | 1000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5059.58000<br> $2529.79000<br> $2529.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 33.300% | 33.300% | $421.63 | $10119.16 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $195854.54 | 7.500% | $1370.46 | $1610.00 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,610.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,370.46 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $195,854.54. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1610.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1610.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $67.08 | $1610.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $110724.91 | 6.990% | $737.74 | $951.03 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $951.03 (xx), which was applied for the due date of xx/xx/2025. The current xxis $737.74 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $110,724.91. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $951.03 | $951.03 | $951.03 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $951.03000<br> $951.03000<br> $951.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $118.88 | $2853.09 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $292439.09 | 5.625% | $1704.52 | $1968.01 | 2025-10-06 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,968.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,704.52 with an interest rate of 5.625%. The current UPB reflected as per the payment history is $292,439.09.<br> . | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1968.01 | $1968.01 | $1968.01 | $1968.01 | $1968.01 | $1968.01 | $1968.01 | $1968.01 | $1968.01 | $1968.01 | $1968.01 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-10-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1968.01000<br> $1968.01000<br> $1968.01000<br> $1968.01000<br> $1968.01000<br> $1968.01000<br> $1968.01000<br> $1968.01000<br> $1968.01000<br> $1968.01000<br> $1968.01000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 33.300% | 66.700% | $902.00 | $21648.11 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $389647.43 | 6.500% | $2465.07 | $2848.43 | 2025-10-14 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,848.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,465.07 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $389,647.43. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2848.43 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2848.43000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $118.68 | $2848.43 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $732853.86 | 7.250% | $5003.26 | $5876.47 | 2025-10-13 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,876.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,003.26 with an interest rate of 7.250%. The current UPB is $732,853.86. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5876.47 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-09-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5876.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $244.85 | $5876.47 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $752956.71 | 6.875% | $4967.70 | $4967.70 | 2025-10-01 | 2025-10-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,967.70 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,967.70 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $752,956.71. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4967.70 | $0.00 | $0.00 | $14933.10 | $4967.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00210 | 01200 | 2025-09-17 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4967.70000<br> $0.00000<br> $0.00000<br> $14933.10000<br> $4967.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.900% | 0.000% | 16.700% | 41.700% | $1036.19 | $24868.50 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $98698.95 | 6.750% | $648.60 | $718.10 | 2025-10-06 | 2025-11-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $718.10 (xx), which was applied for the due date of xx/xx/2025. The current xxis $648.60 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $98,698.95. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $710.10 | $718.10 | $718.10 | $718.10 | $718.10 | $1218.10 | $718.10 | $718.10 | $718.10 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-10-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $710.10000<br> $718.10000<br> $718.10000<br> $718.10000<br> $718.10000<br> $1218.10000<br> $718.10000<br> $718.10000<br> $718.10000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 40.400% | 0.000% | 33.300% | 72.500% | $289.79 | $6954.90 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $420702.58 | 6.875% | $2783.74 | $3659.63 | 2025-10-27 | 2025-11-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,659.63 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,783.74 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $420,702.58. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $18298.15 | $3798.82 | $3659.63 | $3659.63 | $0.00 | $0.00 | $0.00 | $0.00 | 00004321 | 12340000 | 2025-10-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $18298.15000<br> $3798.82000<br> $3659.63000<br> $3659.63000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.500% | 0.000% | 33.300% | 67.000% | $1225.68 | $29416.23 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $131027.10 | 7.125% | $889.31 |  | 2025-10-10 | 2025-10-01 | 0 | According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $889.31 with an interest rate of 7.125%. The current UPB reflected as per the tape data is $131,027.10. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMM | MMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $597780.89 | 6.875% | $3936.97 | $3936.97 | 2025-10-10 | 2025-10-01 | 0 | According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,936.97 with an interest rate of 6.875%. The current UPB reflected as per the tape data is $597,780.89. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMM | MMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $232209.89 | 6.875% | $1529.33 | $1870.14 | 2025-09-24 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,870.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,529.33 with an interest rate of 6.875%. The current UPB, reflected as per the payment history, is $232,209.89. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1870.14 | $1870.14 | $1870.14 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-09-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1870.14000<br> $1870.14000<br> $1870.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $233.77 | $5610.42 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $81274.78 | 7.500% | $572.66 | $755.87 | 2025-09-25 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $755.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $572.66 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $81,274.78. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $697.45 | $697.45 | $697.45 | $697.45 | $697.45 | $697.45 | $697.45 | $697.45 | $697.45 | $755.87 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-09-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $697.45000<br> $697.45000<br> $697.45000<br> $697.45000<br> $697.45000<br> $697.45000<br> $697.45000<br> $697.45000<br> $697.45000<br> $755.87000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 38.800% | 0.000% | 16.700% | 54.500% | $293.04 | $7032.92 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $262500.51 | 7.250% | $1841.88 | $2552.41 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,552.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,841.88 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $262,500.51. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3019.23 | $3519.23 | $2519.23 | $3519.23 | $4219.23 | $4219.23 | $2552.41 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3019.23000<br> $3519.23000<br> $2519.23000<br> $3519.23000<br> $4219.23000<br> $4219.23000<br> $2552.41000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 38.500% | 0.000% | 44.200% | 76.900% | $981.99 | $23567.79 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $240374.20 | 6.750% | $1572.85 | $1872.31 | 2025-09-29 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,872.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,572.85 with an interest rate of 6.750%. The current UPB is $240,374.20. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1872.31 | $3744.62 | $1872.31 | $0.00 | $3744.62 | $0.00 | $1872.31 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-09-19 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1872.31000<br> $3744.62000<br> $1872.31000<br> $0.00000<br> $3744.62000<br> $0.00000<br> $1872.31000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 16.700% | 58.300% | $546.09 | $13106.17 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $198846.49 | 6.250% | $1231.43 | $1445.26 | 2025-09-08 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,445.26 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,231.43 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $198,846.49. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1445.26 | $1445.26 | $1445.26 | $1445.26 | $1445.26 | $1445.26 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-09-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1445.26000<br> $1445.26000<br> $1445.26000<br> $1445.26000<br> $1445.26000<br> $1445.26000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 16.700% | 50.000% | $361.32 | $8671.56 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $141440.97 | 5.750% | $840.35 | $1300.42 | 2025-10-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,300.42 (xx), which was applied for the due date of xx/xx/2025. The current xxis $840.35 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $141,440.97. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1372.86 | $1372.86 | $1372.86 | $1400.42 | $1400.42 | $0.00 | $0.00 | $0.00 | $0.00 | 0000004321 | 1234000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1372.86000<br> $1372.86000<br> $1372.86000<br> $1400.42000<br> $1400.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 22.200% | 0.000% | 35.900% | 44.300% | $288.31 | $6919.42 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $197405.70 | 6.000% | $1187.11 | $1187.11 | 2025-10-06 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,187.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,187.11 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $197,405.70. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1187.11 | $1187.11 | $1187.11 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-09-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1187.11000<br> $1187.11000<br> $1187.11000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $148.39 | $3561.33 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $165288.47 | 7.375% | $1160.33 | $1703.14 | 2025-10-30 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,703.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,160.33 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $165,288.47. | $1670.96 | $1670.96 | $1670.96 | $1670.96 | $1670.96 | $1670.96 | $1670.96 | $1670.96 | $1670.96 | $1670.96 | $1670.96 | $1703.14 | $1703.14 | $1703.14 | $1703.14 | $1703.14 | $1703.14 | $1703.14 | $1703.14 | $1703.14 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000 | 000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1670.96000<br> $1670.96000<br> $1670.96000<br> $1670.96000<br> $1670.96000<br> $1670.96000<br> $1670.96000<br> $1670.96000<br> $1670.96000<br> $1670.96000<br> $1670.96000<br> $1703.14000<br> $1703.14000<br> $1703.14000<br> $1703.14000<br> $1703.14000<br> $1703.14000<br> $1703.14000<br> $1703.14000<br> $1703.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.500% | 0.000% | 33.300% | 66.700% | $1404.53 | $33708.82 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $126334.63 | 6.750% | $823.72 | $823.72 | 2025-10-02 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $823.72 (xx), which was applied for the due date of xx/xx/2025. The current xxis $823.72 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $126,334.63. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $823.72 | $823.72 | $823.72 | $823.72 | $823.72 | $823.72 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-10-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $823.72000<br> $823.72000<br> $823.72000<br> $823.72000<br> $823.72000<br> $823.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 33.300% | 50.000% | $205.93 | $4942.32 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $260795.87 | 6.875% | $1746.25 | $2050.17 | 2025-10-22 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,050.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,746.25 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $260,795.87. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2053.17 | $6625.04 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-10-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2053.17000<br> $6625.04000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 17.600% | 0.000% | 70.500% | 35.300% | $361.59 | $8678.21 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $193277.90 | 7.750% | $1397.00 | $1580.83 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,580.83 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,397.00 with an interest rate of 7.750%. The current UPB reflected as per the payment history is $193,277.90. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1132.54 | $1097.15 | $1592.64 | $1670.67 | $1670.67 | $1670.67 | $1670.67 | $1670.67 | $1670.67 | $1670.67 | $1670.67 | $1670.67 | $1670.67 | $1670.67 | $1580.83 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000 | 000000000000000 | 2025-10-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1132.54000<br> $1097.15000<br> $1592.64000<br> $1670.67000<br> $1670.67000<br> $1670.67000<br> $1670.67000<br> $1670.67000<br> $1670.67000<br> $1670.67000<br> $1670.67000<br> $1670.67000<br> $1670.67000<br> $1670.67000<br> $1580.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 62.700% | 0.000% | 34.300% | 70.000% | $990.86 | $23780.53 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $140158.65 | 7.125% | $951.29 | $1025.59 | 2025-10-22 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,025.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $951.29 with an interest rate of 7.125%. The current UPB reflected as per the payment history, is $140,158.65. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1026.21 | $0.00 | $2052.42 | $0.00 | $1026.21 | $2052.42 | $1026.21 | $1026.21 | $1026.21 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-09-22 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1026.21000<br> $0.00000<br> $2052.42000<br> $0.00000<br> $1026.21000<br> $2052.42000<br> $1026.21000<br> $1026.21000<br> $1026.21000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 16.700% | 66.700% | $384.83 | $9235.89 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $189431.68 | 2.875% | $676.86 | $1091.89 | 2025-10-20 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,091.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $676.86 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $189,431.68. | $2076.22 | $2170.94 | $0.00 | $0.00 | $2170.94 | $972.91 | $0.00 | $972.91 | $0.00 | $972.91 | $972.91 | $972.91 | $1945.82 | $0.00 | $945.64 | $1091.89 | $1091.89 | $1091.89 | $1091.89 | $1091.89 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000444344443 | 344443444000000000000000 | 2025-10-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2076.22000<br> $2170.94000<br> $0.00000<br> $0.00000<br> $2170.94000<br> $972.91000<br> $0.00000<br> $972.91000<br> $0.00000<br> $972.91000<br> $972.91000<br> $972.91000<br> $1945.82000<br> $0.00000<br> $945.64000<br> $1091.89000<br> $1091.89000<br> $1091.89000<br> $1091.89000<br> $1091.89000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.900% | 0.000% | 33.300% | 63.700% | $818.07 | $19633.56 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $481335.49 | 6.125% | $3020.97 | $3800.11 | 2025-10-20 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,800.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,020.97 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $481,335.49. | $3843.16 | $3843.16 | $3843.16 | $3843.16 | $3843.16 | $3843.16 | $3843.16 | $3800.11 | $3800.11 | $3800.11 | $3800.11 | $3800.11 | $3800.11 | $3800.11 | $3800.11 | $3800.11 | $3800.11 | $3800.11 | $3800.11 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-26 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3843.16000<br> $3843.16000<br> $3843.16000<br> $3843.16000<br> $3843.16000<br> $3843.16000<br> $3843.16000<br> $3800.11000<br> $3800.11000<br> $3800.11000<br> $3800.11000<br> $3800.11000<br> $3800.11000<br> $3800.11000<br> $3800.11000<br> $3800.11000<br> $3800.11000<br> $3800.11000<br> $3800.11000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.500% | 0.000% | 16.700% | 58.300% | $3020.98 | $72503.44 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $307695.02 | 6.125% | $1904.20 | $2201.79 | 2025-10-20 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,201.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,904.20 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $307,695.02. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2316.50 | $0.00 | $2316.50 | $2316.50 | $2316.50 | $2699.42 | $5200.52 | $2201.79 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-10-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2316.50000<br> $0.00000<br> $2316.50000<br> $2316.50000<br> $2316.50000<br> $2699.42000<br> $5200.52000<br> $2201.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 36.700% | 0.000% | 56.000% | 73.300% | $806.99 | $19367.73 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $738870.38 | 7.375% | $5111.00 | $6302.84 | 2025-10-20 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,302.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,111.00 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $738,870.38. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6302.84 | $6302.84 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-10-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6302.84000<br> $6302.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $525.24 | $12605.68 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $274165.91 | 6.750% | $1786.89 | $2065.34 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,065.34 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,786.89 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $274,165.91. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4130.68 | $2065.34 | $2065.34 | $2200.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-09-26 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4130.68000<br> $2065.34000<br> $2065.34000<br> $2200.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 21.100% | 0.000% | 17.800% | 42.200% | $435.89 | $10461.36 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $396554.30 | 6.750% | $2587.91 | $2897.75 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,897.75 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,587.91 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $396,554.30. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2897.75 | $2897.75 | $2897.75 | $0.00 | $5795.50 | $2897.75 | $2897.75 | $0.00 | $0.00 | $0.00 | $0.00 | 0001000 | 0001000 | 2025-10-13 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2897.75000<br> $2897.75000<br> $2897.75000<br> $0.00000<br> $5795.50000<br> $2897.75000<br> $2897.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 33.300% | 58.300% | $845.18 | $20284.25 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $277166.91 | 7.000% | $1894.43 | $2112.97 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,112.97 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,894.43 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $277,166.91. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2240.64 | $2240.64 | $2260.64 | $2240.64 | $2240.64 | $2240.64 | $2112.97 | $1439.54 | $2112.97 | $2112.97 | $7010.35 | $2112.97 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-10-13 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2240.64000<br> $2240.64000<br> $2260.64000<br> $2240.64000<br> $2240.64000<br> $2240.64000<br> $2112.97000<br> $1439.54000<br> $2112.97000<br> $2112.97000<br> $7010.35000<br> $2112.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 59.900% | 0.000% | 72.000% | 84.300% | $1265.23 | $30365.61 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $396478.76 | 5.750% | $2447.20 | $2845.47 | 2025-10-03 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,845.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,447.20 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $396,478.76. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2876.27 | $2863.61 | $2863.61 | $2863.61 | $2863.61 | $2863.61 | $2876.27 | $2876.27 | $2845.47 | $2845.47 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000044444444444432 | 234444444444440000000000 | 2025-10-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2876.27000<br> $2863.61000<br> $2863.61000<br> $2863.61000<br> $2863.61000<br> $2863.61000<br> $2876.27000<br> $2876.27000<br> $2845.47000<br> $2845.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.900% | 0.000% | 33.300% | 67.100% | $1193.24 | $28637.80 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $546375.59 | 5.990% | $3309.52 | $3940.52 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,940.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,309.52 with an interest rate of 5.990%. The current UPB reflected as per the payment history is $546,375.59. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3940.52 | $3940.52 | $3940.52 | $3940.52 | $3940.52 | $3940.52 | $3940.52 | $3940.52 | $3940.52 | $3940.52 | $3940.52 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3940.52000<br> $3940.52000<br> $3940.52000<br> $3940.52000<br> $3940.52000<br> $3940.52000<br> $3940.52000<br> $3940.52000<br> $3940.52000<br> $3940.52000<br> $3940.52000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 33.300% | 66.700% | $1806.07 | $43345.72 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $194612.21 | 5.875% | $1164.59 | $1515.16 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,515.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,164.59 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $194,612.21. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1470.95 | $1470.95 | $1470.95 | $1470.95 | $1470.95 | $1470.95 | $1470.95 | $1470.95 | $1470.95 | $1515.16 | $1515.16 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1470.95000<br> $1470.95000<br> $1470.95000<br> $1470.95000<br> $1470.95000<br> $1470.95000<br> $1470.95000<br> $1470.95000<br> $1470.95000<br> $1515.16000<br> $1515.16000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 44.700% | 0.000% | 33.300% | 65.200% | $677.87 | $16268.87 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $618310.95 | 7.500% | $4335.13 | $4900.62 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,900.62 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,335.13 with an interest rate of 7.50%. The current UPB reflected as per the payment history is $618,310.95. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5000.00 | $5000.00 | $5000.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-10-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.800% | 0.000% | 34.000% | 25.500% | $625.00 | $15000.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $64192.10 | 8.000% | $476.95 | $476.95 | 2025-10-15 | 2025-11-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $476.95 (xx), which was applied for the due date of xx/xx/2025. The current xxis $476.95 with an interest rate of 8.000%. The current UPB reflected as per the payment history is $64,192.10. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $476.95 | $0.00 | $0.00 | $1500.00 | $500.00 | $500.00 | $500.00 | $500.00 | $0.00 | $1048.16 | $500.95 | $500.95 | $500.95 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000010 | 010000000000 | 2025-10-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $476.95000<br> $0.00000<br> $0.00000<br> $1500.00000<br> $500.00000<br> $500.00000<br> $500.00000<br> $500.00000<br> $0.00000<br> $1048.16000<br> $500.95000<br> $500.95000<br> $500.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 57.000% | 0.000% | 35.000% | 70.800% | $272.00 | $6527.96 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $422740.46 | 5.750% | $2582.31 | $3329.32 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,329.32 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,582.31 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $422,740.46, and the tape shows a deferred balance is $10,329.24. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3458.07 | $3458.07 | $3458.07 | $3458.07 | $3458.07 | $3458.07 | $3458.07 | $3441.13 | $0.00 | $6665.79 | $3329.32 | $0.00 | $0.00 | $0.00 | $0.00 | 00100000000MMMMMMMMMMMMM | MMMMMMMMMMMMM00000000100 | 2025-10-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3458.07000<br> $3458.07000<br> $3458.07000<br> $3458.07000<br> $3458.07000<br> $3458.07000<br> $3458.07000<br> $3441.13000<br> $0.00000<br> $6665.79000<br> $3329.32000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 47.100% | 0.000% | 50.000% | 68.300% | $1568.45 | $37642.73 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $411239.03 | 3.750% | $2042.34 | $2527.46 | 2025-10-16 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,527.46 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,042.34 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $411,239.03. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2426.53 | $2575.73 | $2575.73 | $2575.73 | $2575.73 | $2575.73 | $2575.73 | $2575.73 | $0.00 | $0.00 | $7393.95 | $0.00 | $0.00 | $0.00 | $0.00 | 02100000000MMMMMMMMMMMMM | MMMMMMMMMMMMM00000000120 | 2025-10-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2426.53000<br> $2575.73000<br> $2575.73000<br> $2575.73000<br> $2575.73000<br> $2575.73000<br> $2575.73000<br> $2575.73000<br> $0.00000<br> $0.00000<br> $7393.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.900% | 0.000% | 48.800% | 66.800% | $1160.44 | $27850.59 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $64795.08 | 8.375% | $494.05 | $494.05 | 2025-10-03 | 2025-11-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $494.05 (xx), which was applied for the due date of xx/xx/2025. The current xxis $494.05 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $64,795.08. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $494.05 | $494.05 | $494.05 | $494.08 | $494.08 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $494.05000<br> $494.05000<br> $494.05000<br> $494.08000<br> $494.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 33.300% | 41.700% | $102.93 | $2470.31 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $292600.00 | 7.499% | $2045.71 |  | 2025-10-16 | 2025-11-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $2,045.71 with an interest rate of 7.499%. The current UPB reflected as per the payment history is $292,600.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $1898153.32 | 6.125% | $11544.60 | $15017.58 | 2025-10-22 | 2025-11-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $15,017.58 (xx), which was applied for the due date of xx/xx/2025. The current xxis $11,544.60 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $1,898,153.32. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $15017.58 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $15017.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $625.73 | $15017.58 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $259973.98 | 6.750% | $1687.65 | $2243.21 | 2025-10-13 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,243.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,687.65 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $259,973.98. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2243.21 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-09-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2243.21000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $93.47 | $2243.21 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $39825.86 | 2.250% | $358.99 | $783.84 | 2025-10-24 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $783.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $358.99 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $39,825.86. | $758.24 | $758.24 | $758.24 | $758.24 | $787.72 | $787.72 | $787.72 | $787.72 | $0.00 | $1575.44 | $787.72 | $787.72 | $787.72 | $787.72 | $787.72 | $787.72 | $783.84 | $783.84 | $783.84 | $783.84 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $758.24000<br> $758.24000<br> $758.24000<br> $758.24000<br> $787.72000<br> $787.72000<br> $787.72000<br> $787.72000<br> $0.00000<br> $1575.44000<br> $787.72000<br> $787.72000<br> $787.72000<br> $787.72000<br> $787.72000<br> $787.72000<br> $783.84000<br> $783.84000<br> $783.84000<br> $783.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.000% | 0.000% | 33.300% | 66.800% | $650.87 | $15620.96 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $183933.07 | 4.250% | $947.54 | $1185.65 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,185.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $947.54 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $183,933.07.<br>| $1194.54 | $1194.54 | $1035.63 | $1035.63 | $1111.43 | $1035.63 | $1111.43 | $2071.26 | $1185.65 | $1185.65 | $1185.65 | $1185.65 | $0.00 | $1185.65 | $2371.30 | $0.00 | $1185.65 | $2371.30 | $0.00 | $1185.65 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1194.54000<br> $1194.54000<br> $1035.63000<br> $1035.63000<br> $1111.43000<br> $1035.63000<br> $1111.43000<br> $2071.26000<br> $1185.65000<br> $1185.65000<br> $1185.65000<br> $1185.65000<br> $0.00000<br> $1185.65000<br> $2371.30000<br> $0.00000<br> $1185.65000<br> $2371.30000<br> $0.00000<br> $1185.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.200% | 0.000% | 16.700% | 58.300% | $951.34 | $22832.24 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $144150.50 | 2.750% | $824.65 | $1338.81 | 2025-10-24 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,338.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $824.65 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $144,150.50. | $1541.66 | $1541.66 | $1541.66 | $1541.66 | $1541.66 | $1541.66 | $1654.24 | $1654.24 | $4154.24 | $1654.24 | $1654.24 | $5154.24 | $0.00 | $1554.24 | $6554.24 | $1554.24 | $6554.24 | $6109.28 | $1338.81 | $17027.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1541.66000<br> $1541.66000<br> $1541.66000<br> $1541.66000<br> $1541.66000<br> $1541.66000<br> $1654.24000<br> $1654.24000<br> $4154.24000<br> $1654.24000<br> $1654.24000<br> $5154.24000<br> $0.00000<br> $1554.24000<br> $6554.24000<br> $1554.24000<br> $6554.24000<br> $6109.28000<br> $1338.81000<br> $17027.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 205.000% | 0.000% | 228.600% | 253.300% | $2744.48 | $65867.45 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $105566.05 | 2.500% | $1666.97 | $2209.31 | 2025-10-24 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,209.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,666.97 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $105,566.05. | $2261.22 | $0.00 | $4500.09 | $0.00 | $4477.74 | $2238.87 | $2238.87 | $2238.87 | $0.00 | $4477.74 | $2238.87 | $0.00 | $4477.74 | $2238.87 | $2209.31 | $2209.31 | $2209.31 | $2209.31 | $2209.31 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2261.22000<br> $0.00000<br> $4500.09000<br> $0.00000<br> $4477.74000<br> $2238.87000<br> $2238.87000<br> $2238.87000<br> $0.00000<br> $4477.74000<br> $2238.87000<br> $0.00000<br> $4477.74000<br> $2238.87000<br> $2209.31000<br> $2209.31000<br> $2209.31000<br> $2209.31000<br> $2209.31000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.000% | 0.000% | 16.700% | 67.000% | $1768.14 | $42435.43 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $114095.58 | 2.625% | $519.86 | $1187.46 | 2025-10-24 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,187.46 (xx), which was applied for the due date of xx/xx/2025. The current xxis $519.86 with an interest rate of 2.625%. The current UPB, reflected as per the payment history, is $114,095.58. | $0.00 | $2121.78 | $1060.89 | $1060.89 | $1060.89 | $1060.89 | $1060.89 | $1060.89 | $1060.89 | $1187.46 | $1187.46 | $1187.46 | $1187.46 | $1187.46 | $1187.46 | $1187.46 | $1187.46 | $1187.46 | $1187.46 | $1187.46 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-23 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $2121.78000<br> $1060.89000<br> $1060.89000<br> $1060.89000<br> $1060.89000<br> $1060.89000<br> $1060.89000<br> $1060.89000<br> $1187.46000<br> $1187.46000<br> $1187.46000<br> $1187.46000<br> $1187.46000<br> $1187.46000<br> $1187.46000<br> $1187.46000<br> $1187.46000<br> $1187.46000<br> $1187.46000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.300% | 0.000% | 33.300% | 66.700% | $942.09 | $22610.07 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $354171.83 | 2.875% | $1561.24 | $1561.24 | 2025-10-24 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,561.24, which was applied for the due date of xx/xx/2025. The current xxis $1,561.24 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $354,171.83. | $4713.72 | $1571.24 | $0.00 | $1571.24 | $1571.24 | $1571.24 | $1571.24 | $1571.24 | $1571.24 | $1571.24 | $1571.24 | $1571.24 | $3142.48 | $0.00 | $3142.48 | $1571.24 | $1571.24 | $0.00 | $3142.48 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4713.72000<br> $1571.24000<br> $0.00000<br> $1571.24000<br> $1571.24000<br> $1571.24000<br> $1571.24000<br> $1571.24000<br> $1571.24000<br> $1571.24000<br> $1571.24000<br> $1571.24000<br> $3142.48000<br> $0.00000<br> $3142.48000<br> $1571.24000<br> $1571.24000<br> $0.00000<br> $3142.48000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 88.100% | 0.000% | 33.500% | 67.100% | $1374.84 | $32996.04 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $217779.93 | 2.625% | $1876.80 | $2475.69 | 2025-10-24 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,475.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,876.80 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $217,779.93. | $2420.00 | $2420.00 | $2420.00 | $2420.00 | $2420.00 | $2420.00 | $2420.00 | $2420.00 | $2420.00 | $2420.00 | $2420.00 | $2475.69 | $2475.69 | $2475.69 | $2475.69 | $2475.69 | $2475.69 | $2475.69 | $2475.69 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-19 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2420.00000<br> $2420.00000<br> $2420.00000<br> $2420.00000<br> $2420.00000<br> $2420.00000<br> $2420.00000<br> $2420.00000<br> $2420.00000<br> $2420.00000<br> $2420.00000<br> $2475.69000<br> $2475.69000<br> $2475.69000<br> $2475.69000<br> $2475.69000<br> $2475.69000<br> $2475.69000<br> $2475.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.100% | 0.000% | 16.700% | 58.300% | $1934.40 | $46425.52 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $340425.78 | 2.875% | $1477.02 |  | 2025-10-02 | 2025-10-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,477.02 with an interest rate of 2.875%. The current UPB reflected as per the tape is $340,425.78. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $524845.79 | 6.625% | $3385.00 | $4452.91 | 2025-12-15 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025. The borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,452.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,385.00 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $524,845.79 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4452.91 | $0.00 | $4452.91 | $4452.91 | $4452.91 | $4452.91 | $4452.91 | $4452.91 | $4452.91 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4452.91000<br> $0.00000<br> $4452.91000<br> $4452.91000<br> $4452.91000<br> $4452.91000<br> $4452.91000<br> $4452.91000<br> $4452.91000<br> $0.00000<br> $0.00000 | 33.300% | 33.300% | 66.700% | 66.700% | $1484.30 | $35623.28 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $753259.43 | 6.999% | $5099.36 | $5099.36 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $5,099.36 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,099.36 with an interest rate of 6.999%. The current UPB reflected as per the payment history is $753,259.43. | $0.00 | $0.00 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $5099.36 | $0.00 | $0.00 | 00000000000000000000 | 00000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $5099.36000<br> $0.00000<br> $0.00000 | 83.300% | 33.300% | 66.700% | 83.300% | $4249.47 | $101987.20 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $518413.47 | 3.500% | $2032.17 | $3595.95 | 2025-12-01 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of PITI $3,595.95, which was applied to the due date of xx/xx/2025. The current xxis $2,032.17 with an interest rate of 3.500%. The current UPB reflected as per the tape is $518,413.47. | $0.00 | $0.00 | $4283.68 | $4283.68 | $0.00 | $0.00 | $0.00 | $4030.37 | $4030.37 | $0.00 | $7133.99 | $0.00 | $3545.83 | $3545.83 | $3600.00 | $3600.00 | $3595.95 | $3600.00 | $3630.95 | $3595.95 | $7191.90 | $0.00 | $0.00 | $0.00 | 000000000000444443222100 | 001222344444000000000000 | 2025-11-28 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $4283.68000<br> $4283.68000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4030.37000<br> $4030.37000<br> $0.00000<br> $7133.99000<br> $0.00000<br> $3545.83000<br> $3545.83000<br> $3600.00000<br> $3600.00000<br> $3595.95000<br> $3600.00000<br> $3630.95000<br> $3595.95000<br> $7191.90000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.100% | 0.000% | 66.800% | 83.200% | $2486.19 | $59668.50 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $467176.82 | 5.253% | $2728.81 | $3795.49 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,795.49 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,728.81 with an interest rate of 5.253%. The current UPB reflected as per payment history is $464,423.84. | $3953.40 | $3953.40 | $3953.40 | $3953.40 | $3953.40 | $3953.40 | $3953.40 | $3953.40 | $3987.32 | $3987.32 | $3987.32 | $3987.32 | $3987.32 | $3987.32 | $3987.32 | $3893.19 | $3893.19 | $0.00 | $0.00 | $3893.19 | $3893.19 | $7590.98 | $0.00 | $0.00 | 0111MM111111111111111111 | 111111111111111111MM1110 | 2025-12-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3953.40000<br> $3953.40000<br> $3953.40000<br> $3953.40000<br> $3953.40000<br> $3953.40000<br> $3953.40000<br> $3953.40000<br> $3987.32000<br> $3987.32000<br> $3987.32000<br> $3987.32000<br> $3987.32000<br> $3987.32000<br> $3987.32000<br> $3893.19000<br> $3893.19000<br> $0.00000<br> $0.00000<br> $3893.19000<br> $3893.19000<br> $7590.98000<br> $0.00000<br> $0.00000 | 90.800% | 66.700% | 67.500% | 77.100% | $3445.92 | $82702.18 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $496223.31 | 6.374% | $4407.40 | $4407.40 | 2025-10-06 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,407.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,407.40 with an interest rate of 6.374%. The current UPB reflected as per the payment history is $496,223.31. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4500.00 | $4500.00 | $4500.00 | $4500.00 | $4500.00 | $4500.00 | $4500.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-09-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4500.00000<br> $4500.00000<br> $4500.00000<br> $4500.00000<br> $4500.00000<br> $4500.00000<br> $4500.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.800% | 0.000% | 17.000% | 59.600% | $1312.50 | $31500.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $302879.63 | 3.999% | $1566.38 |  | 2025-10-02 | 2025-11-01 | 0 | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,566.38 with an interest rate of 3.999%. The current UPB reflected as per the payment history tape is $302,879.63. | $2185.33 | $2385.33 | $2385.33 | $2185.33 | $2435.33 | $2254.43 | $2554.43 | $2254.43 | $2844.43 | $2254.43 | $2254.43 | $2704.43 | $2254.43 | $2954.43 | $3254.43 | $2754.43 | $2604.43 | $2752.72 | $2362.72 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2185.33000<br> $2385.33000<br> $2385.33000<br> $2185.33000<br> $2435.33000<br> $2254.43000<br> $2554.43000<br> $2254.43000<br> $2844.43000<br> $2254.43000<br> $2254.43000<br> $2704.43000<br> $2254.43000<br> $2954.43000<br> $3254.43000<br> $2754.43000<br> $2604.43000<br> $2752.72000<br> $2362.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $1984.80 | $47635.25 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $497707.49 | 6.875% | $3284.64 |  | 2025-10-02 | 2025-10-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received date. The current xxis $3,284.64 with an interest rate of 6.875%. The current UPB reflected as per the tape is $497,707.49. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4444.67 | $4116.21 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMM00 | 00MMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4444.67000<br> $4116.21000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $356.70 | $8560.88 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $922522.99 | 6.125% | $5642.68 | $6870.31 | 2025-10-02 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,870.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,642.68 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $922,522.99. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7000.31 | $7000.00 | $7000.00 | $7000.00 | $7000.00 | $6870.31 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-09-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7000.31000<br> $7000.00000<br> $7000.00000<br> $7000.00000<br> $7000.00000<br> $6870.31000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.400% | 0.000% | 16.700% | 50.800% | $1744.61 | $41870.62 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $596721.69 | 6.500% | $3903.02 |  | 2025-10-02 | 2025-10-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,903.02 with an interest rate of 6.500%. The current UPB reflected as per the tape is $596,721.69. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $325959.91 | 7.375% | $2265.41 |  | 2025-10-02 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received date. The current xxis $2,265.41 with an interest rate of 7.375%. The current UPB reflected as per the tape is $325,959.91. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMM | MMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $343607.61 | 7.125% | $2336.12 |  | 2025-10-02 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,336.12 with an interest rate of 7.125%. The current UPB reflected as per the tape is $343,607.61. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMM | MMMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $424772.02 | 4.875% | $2370.86 |  | 2025-10-02 | 2025-10-01 | 0 | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,370.86 with an interest rate of 4.875%. The current UPB reflected as per the tape data is $424,772.02. | $2370.86 | $2370.86 | $2370.86 | $2370.86 | $2370.86 | $2370.86 | $4741.72 | $0.00 | $2370.86 | $2370.86 | $2370.86 | $2370.86 | $2370.86 | $2370.86 | $2370.86 | $2370.86 | $2370.86 | $2370.86 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2370.86000<br> $2370.86000<br> $2370.86000<br> $2370.86000<br> $2370.86000<br> $2370.86000<br> $4741.72000<br> $0.00000<br> $2370.86000<br> $2370.86000<br> $2370.86000<br> $2370.86000<br> $2370.86000<br> $2370.86000<br> $2370.86000<br> $2370.86000<br> $2370.86000<br> $2370.86000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $1778.15 | $42675.48 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $750262.26 | 6.999% | $5055.79 |  | 2025-10-02 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the details of the last payment received. The current xxis $5,055.79 with an interest rate of 6.999%. The current UPB is $750,262.26. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5055.79 | $5055.79 | $5055.79 | $5055.79 | $5055.79 | $5258.92 | $5258.92 | $5258.92 | $5241.99 | $5241.99 | $5241.99 | $5055.79 | $5055.79 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000000 | 0000000000000MM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5055.79000<br> $5055.79000<br> $5055.79000<br> $5055.79000<br> $5055.79000<br> $5258.92000<br> $5258.92000<br> $5258.92000<br> $5241.99000<br> $5241.99000<br> $5241.99000<br> $5055.79000<br> $5055.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $2787.22 | $66893.26 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $305784.78 | 6.875% | $2029.91 |  | 2025-10-02 | 2025-11-01 | 0 | According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,029.91 with an interest rate of 6.875%. The current UPB reflected as per the tape data is $305,784.78. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMM | MMMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $302937.02 | 7.530% | $2169.04 | $2607.88 | 2025-10-02 | 2025-11-01 | 0 | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,169.04 with an interest rate of 7.530%. The current UPB reflected as per the tape is $302,937.02. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4908.90 | $2500.00 | $2575.00 | $2675.00 | $2675.00 | $2675.00 | $2675.00 | $2675.00 | $2675.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M000000000 | 000000000M |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4908.90000<br> $2500.00000<br> $2575.00000<br> $2675.00000<br> $2675.00000<br> $2675.00000<br> $2675.00000<br> $2675.00000<br> $2675.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.600% | 0.000% | 0.000% | 51.300% | $1084.75 | $26033.90 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $1029868.62 | 6.750% | $7361.05 | $7361.05 | 2025-10-02 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $7,361.05 with an interest rate of 6.75%. The current UPB reflected as per the tape data is $1,029,868.62. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMM | MMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $988905.45 | 6.500% | $6497.66 |  | 2025-10-02 | 2025-10-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $6,497.66 with an interest rate of 6.500%. The current UPB reflected as per the tape is $988,905.45. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $622143.66 | 6.499% | $3950.01 | $5005.44 | 2025-10-02 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,950.01 with an interest rate of 6.499%. The current UPB reflected as per the tape is $622,143.66. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5005.44 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMM0 | 0MMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5005.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $208.56 | $5005.44 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $287251.85 | 5.999% | $1741.60 | $2308.29 | 2025-10-02 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,308.29 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,741.60 with an interest rate of 5.999%. The current UPB is $287,251.85. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2242.71 | $2242.71 | $0.00 | $4485.42 | $2242.71 | $0.00 | $4685.42 | $2342.71 | $0.00 | $4616.58 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-08-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2242.71000<br> $2242.71000<br> $0.00000<br> $4485.42000<br> $2242.71000<br> $0.00000<br> $4685.42000<br> $2342.71000<br> $0.00000<br> $4616.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.300% | 0.000% | 0.000% | 50.100% | $952.43 | $22858.26 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $420029.96 | 6.375% | $2713.83 |  | 2025-10-02 | 2025-10-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,713.83 with an interest rate of 6.375%. The current UPB reflected as per the tape is $420,029.96. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $657706.01 | 6.125% | $4040.61 | $4179.15 | 2025-10-02 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,179.15 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,040.61 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $657,706.01. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8358.30 | $8358.30 | $4179.15 | $4179.15 | $4179.15 | $4179.15 | $4179.15 | $4179.15 | $4179.15 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000121 | 12100000000 | 2025-09-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8358.30000<br> $8358.30000<br> $4179.15000<br> $4179.15000<br> $4179.15000<br> $4179.15000<br> $4179.15000<br> $4179.15000<br> $4179.15000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 16.700% | 58.300% | $1915.44 | $45970.65 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $684601.95 | 6.999% | $4656.65 |  | 2025-10-02 | 2025-11-01 | 0 | According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $4,656.65 with an interest rate of 6.999%. The current UPB, reflected as per the tape data, is $684,601.95. | $12531.44 | $6265.72 | $6265.72 | $6265.72 | $6265.72 | $6265.72 | $6312.44 | $6312.44 | $6438.39 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMM000000000000000 | 000000000000000MMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $12531.44000<br> $6265.72000<br> $6265.72000<br> $6265.72000<br> $6265.72000<br> $6265.72000<br> $6312.44000<br> $6312.44000<br> $6438.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $2621.80 | $62923.31 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $204527.51 | 8.500% | $1587.81 |  | 2025-10-02 | 2025-10-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,587.81 with an interest rate of 8.500%. The current UPB reflected as per the tape is $204,527.51.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMM | MMMMMMMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $502922.58 | 6.125% | $3089.70 |  | 2025-10-02 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,089.70 with an interest rate of 6.125%. The current UPB tape data is $502,922.58. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3221.06 | $3221.06 | $3221.06 | $3221.06 | $0.00 | $3221.06 | $3221.06 | $3221.06 | $3221.06 | $3221.06 | $3220.80 | $3221.06 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000 | 00000000000M |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3221.06000<br> $3221.06000<br> $3221.06000<br> $3221.06000<br> $0.00000<br> $3221.06000<br> $3221.06000<br> $3221.06000<br> $3221.06000<br> $3221.06000<br> $3220.80000<br> $3221.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $1476.31 | $35431.40 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $228870.43 | 6.500% | $1495.47 |  | 2025-10-02 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,495.47 with an interest rate of 6.500%. The current UPB reflected as per the tape is $228,870.43. | $0.00 | $0.00 | $0.00 | $3507.08 | $1753.54 | $1753.54 | $1753.54 | $1753.54 | $0.00 | $1753.54 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMM0000000MMMMMMM | MMMMMMM0000000MMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $3507.08000<br> $1753.54000<br> $1753.54000<br> $1753.54000<br> $1753.54000<br> $0.00000<br> $1753.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $511.45 | $12274.78 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $383987.85 | 9.875% | $3360.51 |  | 2025-10-02 | 2025-12-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current xxis $3,360.51 with an interest rate of 9.875%. The current UPB is $383,987.85. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMM | MMMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $606516.65 | 6.116% | $3744.94 |  | 2025-10-02 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,744.94 with an interest rate of 6.116%. The current UPB reflected as per the tape is $606,516.65. | $2557.34 | $2271.88 | $2081.66 | $2295.76 | $3049.52 | $3741.81 | $3876.18 | $3757.64 | $3990.03 | $3990.03 | $3990.03 | $3990.03 | $3990.03 | $3990.03 | $3990.03 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMM0000000000000000000 | 0000000000000000000MMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2557.34000<br> $2271.88000<br> $2081.66000<br> $2295.76000<br> $3049.52000<br> $3741.81000<br> $3876.18000<br> $3757.64000<br> $3990.03000<br> $3990.03000<br> $3990.03000<br> $3990.03000<br> $3990.03000<br> $3990.03000<br> $3990.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $2148.42 | $51562.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $357653.34 | 6.999% | $2444.74 |  | 2025-10-02 | 2025-10-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current xxis $2,444.74 with an interest rate of 6.999%. The current UPB is $357,653.34. | $3111.30 | $3111.30 | $3111.30 | $3111.30 | $3111.30 | $3111.30 | $3111.30 | $3111.30 | $3253.55 | $3253.55 | $3253.55 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMM0000000000000000 | 0000000000000000MMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3111.30000<br> $3111.30000<br> $3111.30000<br> $3111.30000<br> $3111.30000<br> $3111.30000<br> $3111.30000<br> $3111.30000<br> $3253.55000<br> $3253.55000<br> $3253.55000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $1443.79 | $34651.05 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $153111.03 | 5.500% | $965.18 | $1601.58 | 2025-10-28 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,601.58 (xx), which was applied for the due date of xx/xx/2025. The current xxis $965.18 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $153,111.03. | $1573.59 | $1573.59 | $1573.59 | $1573.59 | $1573.59 | $1573.59 | $1573.59 | $1597.14 | $1597.14 | $1597.14 | $1585.10 | $1601.58 | $1601.58 | $1601.58 | $1601.58 | $1601.58 | $1601.58 | $1601.58 | $1601.58 | $1601.58 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1573.59000<br> $1573.59000<br> $1573.59000<br> $1573.59000<br> $1573.59000<br> $1573.59000<br> $1573.59000<br> $1597.14000<br> $1597.14000<br> $1597.14000<br> $1585.10000<br> $1601.58000<br> $1601.58000<br> $1601.58000<br> $1601.58000<br> $1601.58000<br> $1601.58000<br> $1601.58000<br> $1601.58000<br> $1601.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.700% | 0.000% | 33.300% | 66.700% | $1325.24 | $31805.87 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $375413.05 | 6.000% | $2301.39 | $2595.30 | 2025-10-03 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,595.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,301.39 with an interest rate of 6.000%. The current UPB is $375,413.05. | $2740.53 | $2740.53 | $2581.48 | $2581.48 | $2581.48 | $2581.48 | $2581.48 | $2581.48 | $2581.48 | $2582.31 | $2582.31 | $2582.31 | $2582.31 | $2595.30 | $2595.30 | $2595.30 | $2595.30 | $2595.30 | $2595.30 | $2595.30 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000 | 000000000000000000000 | 2025-10-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2740.53000<br> $2740.53000<br> $2581.48000<br> $2581.48000<br> $2581.48000<br> $2581.48000<br> $2581.48000<br> $2581.48000<br> $2581.48000<br> $2582.31000<br> $2582.31000<br> $2582.31000<br> $2582.31000<br> $2595.30000<br> $2595.30000<br> $2595.30000<br> $2595.30000<br> $2595.30000<br> $2595.30000<br> $2595.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.600% | 0.000% | 33.300% | 66.600% | $2168.66 | $52047.76 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $221337.71 | 5.625% | $1356.49 | $1790.17 | 2025-10-16 | 2025-08-01 | 2 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,790.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,356.49 with an interest rate of 5.625%. The current UPB reflected as per the payment history is $221,337.71. | $9934.65 | $1960.61 | $1960.61 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $15833.97 | $0.00 | $0.00 | $1790.17 | $0.00 | $1790.17 | $0.00 | $1790.17 | $3580.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 213322110044443211122110 | 011221112344440011223312 | 2025-08-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $9934.65000<br> $1960.61000<br> $1960.61000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $15833.97000<br> $0.00000<br> $0.00000<br> $1790.17000<br> $0.00000<br> $1790.17000<br> $0.00000<br> $1790.17000<br> $3580.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 89.900% | 0.000% | 0.000% | 41.700% | $1610.03 | $38640.65 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $261669.07 | 5.250% | $1474.73 | $1877.11 | 2025-10-06 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,877.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,474.73 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $261,669.07. | $0.00 | $0.00 | $0.00 | $1996.62 | $1996.62 | $1877.09 | $1877.09 | $1877.09 | $1877.09 | $1877.09 | $1877.09 | $1877.11 | $1877.11 | $1877.11 | $1877.11 | $1877.11 | $1877.11 | $1877.11 | $1877.11 | $1877.11 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000000 | 00000000000000000 | 2025-10-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $1996.62000<br> $1996.62000<br> $1877.09000<br> $1877.09000<br> $1877.09000<br> $1877.09000<br> $1877.09000<br> $1877.09000<br> $1877.11000<br> $1877.11000<br> $1877.11000<br> $1877.11000<br> $1877.11000<br> $1877.11000<br> $1877.11000<br> $1877.11000<br> $1877.11000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.400% | 0.000% | 33.300% | 66.700% | $1339.57 | $32149.77 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $129945.52 | 6.875% | $857.29 | $1023.64 | 2025-11-06 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,023.64 (xx), which was applied for the due date of xx/xx/2025. The current xxis $857.29 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $129,945.52. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1023.64 | $1023.64 | $1023.64 | $1023.64 | $1023.64 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-11-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1023.64000<br> $1023.64000<br> $1023.64000<br> $1023.64000<br> $1023.64000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 50.000% | 41.700% | $213.26 | $5118.20 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $307273.73 | 7.125% | $2083.77 | $2406.66 | 2025-11-07 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,406.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,083.77 with an interest rate of 7.125%. The current UPB reflected as per payment history is $307,273.73. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4813.32 | $0.00 | $2406.66 | $2406.66 | $2406.66 | $2406.66 | $2406.66 | $2406.66 | $2406.66 | $0.00 | $0.00 | $0.00 | 110000000 | 000000011 | 2025-11-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4813.32000<br> $0.00000<br> $2406.66000<br> $2406.66000<br> $2406.66000<br> $2406.66000<br> $2406.66000<br> $2406.66000<br> $2406.66000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 50.000% | 75.000% | $902.50 | $21659.94 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $685293.27 | 6.499% | $4322.90 | $5555.33 | 2025-10-24 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,555.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,322.90 with an interest rate of 6.499%. The current UPB reflected as per the payment history is $685,293.27.<br> As per the comment dated xx/xx/2024, the due dates were deferred from xx/xx/2023 to xx/xx/2024. As per the deferral agreement located at "xx" the payments were deferred from xx/xx/2024 to xx/xx/2024 in the total amount of $24,313.59. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5400.32 | $0.00 | $0.00 | $5400.32 | $5511.71 | $10591.14 | $5295.57 | $5295.57 | $0.00 | $5295.57 | $5575.33 | $11110.66 | $5555.33 | $0.00 | $0.00 | $0.00 | $0.00 | 001110001100044444433332 | 233334444440001100011100 | 2025-10-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5400.32000<br> $0.00000<br> $0.00000<br> $5400.32000<br> $5511.71000<br> $10591.14000<br> $5295.57000<br> $5295.57000<br> $0.00000<br> $5295.57000<br> $5575.33000<br> $11110.66000<br> $5555.33000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 48.800% | 0.000% | 50.000% | 73.100% | $2709.65 | $65031.52 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $126424.88 | 5.990% | $757.99 | $1189.11 | 2025-11-13 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,189.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $757.99 with an interest rate of 5.99%. The current UPB reflected as per the payment history is $126,424.88. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1189.11 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-11-13 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1189.11000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $49.55 | $1189.11 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $496674.14 | 7.500% | $4648.15 | $4648.15 | 2025-11-18 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,648.15, which was applied for the due date of xx/xx/2025. The current xxis $4,648.15 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $496,674.14. | $4648.15 | $4648.15 | $9648.15 | $9648.15 | $9648.15 | $9648.15 | $9648.15 | $9648.15 | $9648.15 | $9648.15 | $9648.15 | $9648.15 | $14648.15 | $14648.15 | $14648.15 | $14648.15 | $14648.15 | $14648.15 | $14648.15 | $14648.15 | $14648.15 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4648.15000<br> $4648.15000<br> $9648.15000<br> $9648.15000<br> $9648.15000<br> $9648.15000<br> $9648.15000<br> $9648.15000<br> $9648.15000<br> $9648.15000<br> $9648.15000<br> $9648.15000<br> $14648.15000<br> $14648.15000<br> $14648.15000<br> $14648.15000<br> $14648.15000<br> $14648.15000<br> $14648.15000<br> $14648.15000<br> $14648.15000<br> $0.00000<br> $0.00000<br> $0.00000 | 213.000% | 0.000% | 157.600% | 236.400% | $9900.46 | $237611.15 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $806500.00 | 6.500% | $5097.63 |  | 2025-10-22 | 2025-11-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $5,097.63 with an interest rate of 6.500%. The current UPB, as per the tape, is $806,500.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $126925.30 | 3.125% | $630.50 | $1075.18 | 2025-09-30 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,075.18 (xx), which was applied for the due date of xx/xx/2025. The current xxis $630.50 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $126,925.30. | $947.79 | $993.73 | $993.73 | $993.73 | $993.73 | $993.73 | $993.73 | $993.73 | $1987.46 | $993.73 | $993.73 | $993.73 | $993.73 | $1075.18 | $1075.18 | $1075.18 | $1075.18 | $1075.18 | $1075.18 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $947.79000<br> $993.73000<br> $993.73000<br> $993.73000<br> $993.73000<br> $993.73000<br> $993.73000<br> $993.73000<br> $1987.46000<br> $993.73000<br> $993.73000<br> $993.73000<br> $993.73000<br> $1075.18000<br> $1075.18000<br> $1075.18000<br> $1075.18000<br> $1075.18000<br> $1075.18000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.700% | 0.000% | 16.700% | 57.700% | $846.56 | $20317.36 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $159537.62 | 2.875% | $751.16 | $1289.00 | 2025-09-30 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,289.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $751.16 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $159,537.62. | $2177.89 | $2246.54 | $989.24 | $0.00 | $989.24 | $2000.00 | $1000.00 | $0.00 | $1000.00 | $1000.00 | $1978.48 | $0.00 | $1989.24 | $989.24 | $0.00 | $2578.00 | $0.00 | $1289.00 | $1289.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2177.89000<br> $2246.54000<br> $989.24000<br> $0.00000<br> $989.24000<br> $2000.00000<br> $1000.00000<br> $0.00000<br> $1000.00000<br> $1000.00000<br> $1978.48000<br> $0.00000<br> $1989.24000<br> $989.24000<br> $0.00000<br> $2578.00000<br> $0.00000<br> $1289.00000<br> $1289.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.500% | 0.000% | 16.700% | 52.600% | $896.49 | $21515.87 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $170999.14 | 3.125% | $845.92 | $1648.62 | 2025-09-30 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,648.62 (xx), which was applied for the due date of xx/xx/2025. The current xxis $845.92 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $170,999.14. | $4034.91 | $1497.15 | $3109.62 | $1575.00 | $2901.13 | $1452.00 | $1452.00 | $0.00 | $1451.06 | $1452.00 | $1452.00 | $1452.00 | $1452.00 | $0.00 | $1450.13 | $1450.13 | $1648.62 | $1648.62 | $1648.62 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 111110000000000011111111 | 111111110000000000011111 | 2025-09-26 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4034.91000<br> $1497.15000<br> $3109.62000<br> $1575.00000<br> $2901.13000<br> $1452.00000<br> $1452.00000<br> $0.00000<br> $1451.06000<br> $1452.00000<br> $1452.00000<br> $1452.00000<br> $1452.00000<br> $0.00000<br> $1450.13000<br> $1450.13000<br> $1648.62000<br> $1648.62000<br> $1648.62000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.700% | 0.000% | 16.700% | 47.000% | $1296.96 | $31126.99 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $407382.84 | 3.125% | $2032.39 | $2815.41 | 2025-10-03 | 2025-11-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,815.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,032.39 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $407,382.84. | $6757.95 | $2670.49 | $2670.49 | $2670.49 | $2670.49 | $4005.73 | $2670.49 | $2670.49 | $2670.49 | $0.00 | $2670.49 | $2670.49 | $2815.41 | $5630.82 | $3034.59 | $3250.00 | $0.00 | $3250.00 | $3465.41 | $2815.41 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $6757.95000<br> $2670.49000<br> $2670.49000<br> $2670.49000<br> $2670.49000<br> $4005.73000<br> $2670.49000<br> $2670.49000<br> $2670.49000<br> $0.00000<br> $2670.49000<br> $2670.49000<br> $2815.41000<br> $5630.82000<br> $3034.59000<br> $3250.00000<br> $0.00000<br> $3250.00000<br> $3465.41000<br> $2815.41000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.400% | 0.000% | 37.200% | 71.800% | $2460.82 | $59059.73 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $267635.00 | 2.875% | $1277.99 | $2379.85 | 2025-10-09 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,379.85 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,277.99 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $267,635.00. | $4326.88 | $2011.96 | $2011.96 | $2017.36 | $2017.36 | $2017.36 | $2017.36 | $2068.48 | $2017.36 | $2017.36 | $2017.36 | $2017.36 | $2017.36 | $2017.36 | $2017.36 | $2379.85 | $2379.85 | $2379.85 | $2379.85 | $2379.85 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4326.88000<br> $2011.96000<br> $2011.96000<br> $2017.36000<br> $2017.36000<br> $2017.36000<br> $2017.36000<br> $2068.48000<br> $2017.36000<br> $2017.36000<br> $2017.36000<br> $2017.36000<br> $2017.36000<br> $2017.36000<br> $2017.36000<br> $2379.85000<br> $2379.85000<br> $2379.85000<br> $2379.85000<br> $2379.85000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.900% | 0.000% | 33.300% | 62.900% | $1854.56 | $44509.49 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $116133.35 | 3.250% | $555.52 | $1582.26 | 2025-09-30 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx on the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,582.26 (xx), which was applied for the due date of xx/xx/2025. The current xxis $555.52 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $116,133.35. | $1330.73 | $1330.73 | $1330.73 | $1548.47 | $1570.69 | $1548.47 | $0.00 | $1548.47 | $3096.94 | $1293.06 | $0.00 | $1293.06 | $1293.06 | $2763.88 | $1293.06 | $0.00 | $1582.26 | $1582.26 | $1582.26 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 111100111001100000000000 | 000000000001100111001111 | 2025-09-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1330.73000<br> $1330.73000<br> $1330.73000<br> $1548.47000<br> $1570.69000<br> $1548.47000<br> $0.00000<br> $1548.47000<br> $3096.94000<br> $1293.06000<br> $0.00000<br> $1293.06000<br> $1293.06000<br> $2763.88000<br> $1293.06000<br> $0.00000<br> $1582.26000<br> $1582.26000<br> $1582.26000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.400% | 0.000% | 16.700% | 53.200% | $1082.84 | $25988.13 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $287085.43 | 6.875% | $1889.13 | $2464.14 | 2025-10-31 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,464.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,889.13 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $287,085.43. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2464.14 | $2464.14 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2464.14000<br> $2464.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $205.35 | $4928.28 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $187201.16 | 6.875% | $1235.03 | $1593.93 | 2025-10-10 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,593.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,235.03 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $187,201.16. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1593.93 | $1593.93 | $1593.93 | $1593.93 | $1593.93 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-10-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1593.93000<br> $1593.93000<br> $1593.93000<br> $1593.93000<br> $1593.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 33.300% | 41.700% | $332.07 | $7969.65 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $805837.61 | 6.990% | $5360.25 | $6744.46 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,744.46 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,360.25 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $805,837.61. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6744.46 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6744.46000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $281.02 | $6744.46 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $1066441.96 | 7.250% | $7430.95 | $7966.52 | 2025-10-24 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,966.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $7,430.95 with an interest rate of 7.25%. The current UPB reflected as per the payment history is $1,066,441.96. | $7966.52 | $7966.52 | $7966.52 | $7966.52 | $7966.52 | $7966.52 | $7966.52 | $7966.52 | $7966.52 | $7966.52 | $7966.52 | $15933.04 | $0.00 | $7966.52 | $7966.52 | $7966.52 | $7966.52 | $7966.52 | $7966.52 | $7966.52 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $7966.52000<br> $7966.52000<br> $7966.52000<br> $7966.52000<br> $7966.52000<br> $7966.52000<br> $7966.52000<br> $7966.52000<br> $7966.52000<br> $7966.52000<br> $7966.52000<br> $15933.04000<br> $0.00000<br> $7966.52000<br> $7966.52000<br> $7966.52000<br> $7966.52000<br> $7966.52000<br> $7966.52000<br> $7966.52000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.300% | 0.000% | 33.300% | 58.300% | $6638.77 | $159330.40 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $278449.91 | 3.375% | $1075.25 |  | 2025-10-28 | 2025-11-01 | 0 | As per the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,075.25. As per tape, the current interest rate is 3.375% and the UPB is $278,449.91. The due dates were advanced from xx/xx/2023 to xx/xx/2025. As per the modification, the payments were due on xx/xx/2024.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1640.75 | $1640.75 | $1640.75 | $1640.75 | $1874.89 | $1874.89 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000044444432144444321 | 12344444123444444000000M |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1640.75000<br> $1640.75000<br> $1640.75000<br> $1640.75000<br> $1874.89000<br> $1874.89000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $429.70 | $10312.78 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $226771.37 | 5.500% | $1303.64 | $1856.40 | 2025-10-28 | 2025-11-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,856.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,303.64 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $226,771.37. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1856.40 | $1856.40 | $1856.40 | $1856.40 | $1856.40 | $1856.40 | $0.00 | $1856.40 | $3712.80 | $0.00 | $3712.80 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-09-26 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1856.40000<br> $1856.40000<br> $1856.40000<br> $1856.40000<br> $1856.40000<br> $1856.40000<br> $0.00000<br> $1856.40000<br> $3712.80000<br> $0.00000<br> $3712.80000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 33.300% | 58.300% | $850.85 | $20420.40 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $1111962.06 | 6.125% | $7451.39 | $11237.94 | 2025-11-03 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $11,237.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $7,451.39 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $1,111,962.06. | $81789.88 | $0.00 | $0.00 | $0.00 | $40729.60 | $10182.40 | $10182.40 | $10182.40 | $10182.40 | $10407.91 | $10407.91 | $10407.91 | $10407.91 | $10407.91 | $10407.91 | $10407.91 | $11237.94 | $11237.94 | $11237.94 | $11237.94 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000032104444 | 444401230000000000000000 | 2025-10-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $81789.88000<br> $0.00000<br> $0.00000<br> $0.00000<br> $40729.60000<br> $10182.40000<br> $10182.40000<br> $10182.40000<br> $10182.40000<br> $10407.91000<br> $10407.91000<br> $10407.91000<br> $10407.91000<br> $10407.91000<br> $10407.91000<br> $10407.91000<br> $11237.94000<br> $11237.94000<br> $11237.94000<br> $11237.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 104.200% | 0.000% | 33.300% | 64.200% | $11710.68 | $281056.21 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $166851.90 | 6.875% | $1103.67 | $1441.44 | 2025-10-29 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,441.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,103.67 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $166,851.90. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1441.44 | $0.00 | $1441.44 | $1441.44 | $1441.44 | $1441.44 | $1441.44 | $1441.44 | $1441.44 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1441.44000<br> $0.00000<br> $1441.44000<br> $1441.44000<br> $1441.44000<br> $1441.44000<br> $1441.44000<br> $1441.44000<br> $1441.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 33.300% | 58.300% | $480.48 | $11531.52 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $469900.00 | 6.750% | $3048.00 | $3048.00 | 2025-10-29 | 2025-11-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $3,048.00 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $469,900.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $581427.40 | 7.500% | $4096.70 | $5276.06 | 2025-11-13 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,276.06 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,096.70 with an interest rate of 7.50%. The current UPB reflected as per the payment history is $581,427.40. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $10552.12 | $5276.06 | $5276.06 | $5276.06 | $5276.06 | $0.00 | $5276.06 | $5276.06 | $5276.06 | $0.00 | $5276.06 | $0.00 | $0.00 | $0.00 | 1000000000 | 0000000001 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $10552.12000<br> $5276.06000<br> $5276.06000<br> $5276.06000<br> $5276.06000<br> $0.00000<br> $5276.06000<br> $5276.06000<br> $5276.06000<br> $0.00000<br> $5276.06000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 33.300% | 58.300% | $2198.36 | $52760.60 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $633777.64 | 7.500% | $4483.71 | $5545.79 | 2025-11-03 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,545.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,483.71 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $633,777.64. | $0.00 | $0.00 | $0.00 | $5085.49 | $5085.49 | $5085.49 | $5085.49 | $5085.49 | $5085.49 | $5085.49 | $5085.49 | $0.00 | $10170.98 | $5085.49 | $5085.49 | $4932.95 | $4793.54 | $4793.54 | $4793.54 | $4793.54 | $5545.79 | $0.00 | $0.00 | $0.00 | 000000000100000000 | 000000001000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $5085.49000<br> $5085.49000<br> $5085.49000<br> $5085.49000<br> $5085.49000<br> $5085.49000<br> $5085.49000<br> $5085.49000<br> $0.00000<br> $10170.98000<br> $5085.49000<br> $5085.49000<br> $4932.95000<br> $4793.54000<br> $4793.54000<br> $4793.54000<br> $4793.54000<br> $5545.79000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.100% | 0.000% | 45.500% | 75.100% | $3778.28 | $90678.78 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $248399.50 | 7.125% | $1697.77 | $3077.22 | 2025-10-15 | 2025-11-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,077.22 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,697.77 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $248,399.50. | $0.00 | $2231.49 | $2231.49 | $2231.49 | $2231.49 | $2231.49 | $0.00 | $4462.98 | $2231.49 | $2231.49 | $0.00 | $2231.49 | $4462.98 | $2231.49 | $2747.92 | $2747.92 | $3077.22 | $3077.22 | $3077.22 | $3077.22 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000011000100000 | 0000010001100000000 | 2025-10-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $2231.49000<br> $2231.49000<br> $2231.49000<br> $2231.49000<br> $2231.49000<br> $0.00000<br> $4462.98000<br> $2231.49000<br> $2231.49000<br> $0.00000<br> $2231.49000<br> $4462.98000<br> $2231.49000<br> $2747.92000<br> $2747.92000<br> $3077.22000<br> $3077.22000<br> $3077.22000<br> $3077.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 63.400% | 0.000% | 33.300% | 66.300% | $1950.59 | $46814.09 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $287955.49 | 7.737% | $2007.79 | $3283.15 | 2025-11-13 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,283.15 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,007.79 with an interest rate of 7.737%. The current UPB reflected as per the payment history is $287,955.49. | $0.00 | $0.00 | $0.00 | $0.00 | $2778.03 | $2778.03 | $2778.03 | $2778.03 | $2778.03 | $2778.03 | $2778.03 | $2007.79 | $2007.79 | $2007.79 | $2007.79 | $2778.03 | $2778.03 | $3336.08 | $3283.15 | $3283.15 | $3283.15 | $0.00 | $0.00 | $0.00 | 00000000000000000 | 00000000000000000 | 2025-11-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2778.03000<br> $2778.03000<br> $2778.03000<br> $2778.03000<br> $2778.03000<br> $2778.03000<br> $2778.03000<br> $2007.79000<br> $2007.79000<br> $2007.79000<br> $2007.79000<br> $2778.03000<br> $2778.03000<br> $3336.08000<br> $3283.15000<br> $3283.15000<br> $3283.15000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.700% | 0.000% | 50.000% | 62.900% | $1925.79 | $46218.96 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $473340.62 | 6.625% | $3071.89 | $3737.86 | 2025-11-03 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025 The last payment was received on xx/xx/2025 in the amount of $3,737.86 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,071.89 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $473,340.62. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3737.86 | $3737.86 | $7725.56 | $3737.86 | $3737.86 | $3737.86 | $3737.86 | $3737.86 | $3737.86 | $3737.86 | $3737.86 | $3737.86 | $3737.86 | $3737.86 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3737.86000<br> $3737.86000<br> $7725.56000<br> $3737.86000<br> $3737.86000<br> $3737.86000<br> $3737.86000<br> $3737.86000<br> $3737.86000<br> $3737.86000<br> $3737.86000<br> $3737.86000<br> $3737.86000<br> $3737.86000<br> $0.00000<br> $0.00000<br> $0.00000 | 62.800% | 0.000% | 50.000% | 75.000% | $2346.57 | $56317.74 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $236091.50 | 6.875% | $1590.03 | $2793.15 | 2025-11-01 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,793.15 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,590.03 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $236,091.50. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2694.76 | $2694.86 | $2694.86 | $0.00 | $0.00 | $5389.72 | $8084.58 | $0.00 | $2694.86 | $5389.72 | $0.00 | $2694.86 | $0.00 | $5586.30 | $2793.15 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000001000 | 000100000000000 | 2025-10-24 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2694.76000<br> $2694.86000<br> $2694.86000<br> $0.00000<br> $0.00000<br> $5389.72000<br> $8084.58000<br> $0.00000<br> $2694.86000<br> $5389.72000<br> $0.00000<br> $2694.86000<br> $0.00000<br> $5586.30000<br> $2793.15000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 60.700% | 0.000% | 50.000% | 57.200% | $1696.57 | $40717.67 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $423347.33 | 6.250% | $2632.19 | $3306.00 | 2025-11-13 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,306.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,632.19 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $423,347.33. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3306.00 | $0.00 | $3306.00 | $3306.00 | $3306.00 | $3306.00 | $3306.00 | $3306.00 | $3306.00 | $3306.00 | $3306.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3306.00000<br> $0.00000<br> $3306.00000<br> $3306.00000<br> $3306.00000<br> $3306.00000<br> $3306.00000<br> $3306.00000<br> $3306.00000<br> $3306.00000<br> $3306.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 50.000% | 75.000% | $1377.50 | $33060.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $246495.93 | 7.875% | $1805.42 | $1805.42 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,805.42 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,805.42 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $246,495.93.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3610.84 | $0.00 | $0.00 | $1805.42 | $3610.84 | $1805.42 | $1805.42 | $1805.42 | $1805.42 | $1805.42 | $1805.42 | $1805.42 | $3610.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000001100 | 00110000000000 | 2025-09-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3610.84000<br> $0.00000<br> $0.00000<br> $1805.42000<br> $3610.84000<br> $1805.42000<br> $1805.42000<br> $1805.42000<br> $1805.42000<br> $1805.42000<br> $1805.42000<br> $1805.42000<br> $3610.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.300% | 0.000% | 33.300% | 66.700% | $1053.16 | $25275.88 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $644170.07 | 6.500% | $4076.84 | $4753.16 | 2025-10-15 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,753.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,076.84 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $644,170.07. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5000.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.400% | 0.000% | 17.500% | 8.800% | $208.33 | $5000.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $315322.19 | 6.625% | $2039.39 | $2039.39 | 2025-11-06 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,039.39 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,039.39 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $315,322.19. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4078.78 | $0.00 | $0.00 | $4078.78 | $2039.39 | $2039.39 | $2039.39 | $2039.39 | $2039.39 | $0.00 | $2039.39 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-10-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4078.78000<br> $0.00000<br> $0.00000<br> $4078.78000<br> $2039.39000<br> $2039.39000<br> $2039.39000<br> $2039.39000<br> $2039.39000<br> $0.00000<br> $2039.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 16.700% | 66.700% | $849.75 | $20393.90 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $741667.65 | 6.670% | $4437.87 | $5942.43 | 2025-12-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,942.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,437.87 with an interest rate of 6.67%. The current UPB reflected as per the payment history is $741,667.65. | $5246.89 | $5246.89 | $0.00 | $13105.89 | $5310.41 | $0.00 | $5310.41 | $10620.82 | $5310.41 | $0.00 | $0.00 | $5310.41 | $0.00 | $0.00 | $5310.41 | $5310.41 | $0.00 | $5946.30 | $0.00 | $5946.30 | $5942.43 | $0.00 | $0.00 | $0.00 | 111044443221001100100001 | 100001001100122344440111 | 2025-11-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $5246.89000<br> $5246.89000<br> $0.00000<br> $13105.89000<br> $5310.41000<br> $0.00000<br> $5310.41000<br> $10620.82000<br> $5310.41000<br> $0.00000<br> $0.00000<br> $5310.41000<br> $0.00000<br> $0.00000<br> $5310.41000<br> $5310.41000<br> $0.00000<br> $5946.30000<br> $0.00000<br> $5946.30000<br> $5942.43000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.800% | 0.000% | 33.300% | 39.900% | $3496.58 | $83917.98 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $220000.00 | 6.625% | $1408.68 |  | 2025-10-29 | 2025-12-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $1,408.68 with an interest rate of 6.625%. The current UPB reflected as per the tape is $220,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $393745.80 | 7.250% | $2728.71 | $3115.29 | 2025-11-04 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,115.29 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,728.71 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $393,745.80. | $0.00 | $0.00 | $0.00 | $3115.29 | $0.00 | $0.00 | $0.00 | $0.00 | $3115.29 | $3115.29 | $3115.29 | $3115.29 | $3115.29 | $3115.29 | $3115.29 | $3115.29 | $3115.29 | $3115.29 | $3115.29 | $3115.29 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000MMMM0 | 0MMMM000000000000 | 2025-10-27 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $3115.29000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3115.29000<br> $3115.29000<br> $3115.29000<br> $3115.29000<br> $3115.29000<br> $3115.29000<br> $3115.29000<br> $3115.29000<br> $3115.29000<br> $3115.29000<br> $3115.29000<br> $3115.29000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 33.300% | 66.700% | $1687.45 | $40498.77 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $204938.97 | 6.625% | $1331.85 | $2320.83 | 2025-11-07 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,320.83 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,331.85 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $204,938.97. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3661.10 | $0.00 | $1830.55 | $3661.10 | $0.00 | $4151.38 | $0.00 | $2320.83 | $2320.83 | $2320.83 | $2320.83 | $2320.83 | $2320.83 | $2320.83 | $2320.83 | $2320.83 | $0.00 | $0.00 | $0.00 | 0000000000000000 | 0000000000000000 | 2025-11-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3661.10000<br> $0.00000<br> $1830.55000<br> $3661.10000<br> $0.00000<br> $4151.38000<br> $0.00000<br> $2320.83000<br> $2320.83000<br> $2320.83000<br> $2320.83000<br> $2320.83000<br> $2320.83000<br> $2320.83000<br> $2320.83000<br> $2320.83000<br> $0.00000<br> $0.00000<br> $0.00000 | 61.400% | 0.000% | 50.000% | 75.000% | $1424.65 | $34191.60 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $986340.31 | 8.500% | $7689.13 | $7689.13 | 2025-11-04 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,689.13 (xx), which was applied for the due date of xx/xx/2024. The current xxis $7,689.13 with an interest rate of 8.500%. The current UPB reflected as per the payment history is $986,340.31. | $0.00 | $0.00 | $0.00 | $0.00 | $7689.13 | $7689.13 | $7689.13 | $7689.13 | $0.00 | $15378.26 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $61909.49 | $7689.13 | $7689.13 | $7689.13 | $0.00 | $0.00 | $0.00 | $0.00 | 000044443212122221MM | MM122221212344440000 | 2025-10-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7689.13000<br> $7689.13000<br> $7689.13000<br> $7689.13000<br> $0.00000<br> $15378.26000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $61909.49000<br> $7689.13000<br> $7689.13000<br> $7689.13000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.000% | 0.000% | 33.300% | 92.100% | $5462.99 | $131111.66 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $334133.62 | 6.375% | $2897.40 | $3676.27 | 2025-10-22 | 2025-11-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,676.27 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,897.40 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $334,133.62. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3676.27 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3676.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $153.18 | $3676.27 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $664649.38 | 7.125% | $4206.72 | $5131.33 | 2025-11-03 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,131.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,206.72 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $664,649.38. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5047.98 | $0.00 | $5047.98 | $5047.98 | $5131.33 | $5131.33 | $5131.33 | $5131.33 | $5131.33 | $10262.66 | $0.00 | $5131.33 | $5131.33 | $5131.33 | $0.00 | $0.00 | $0.00 | 000000000044444444444444 | 444444444444440000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5047.98000<br> $0.00000<br> $5047.98000<br> $5047.98000<br> $5131.33000<br> $5131.33000<br> $5131.33000<br> $5131.33000<br> $5131.33000<br> $10262.66000<br> $0.00000<br> $5131.33000<br> $5131.33000<br> $5131.33000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.000% | 0.000% | 50.000% | 75.000% | $2769.05 | $66457.24 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $242250.00 | 3.125% | $894.26 | $1606.77 | 2025-10-30 | 2025-11-01 | 0 | xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025. The current xxis $894.26 with an interest rate of 3.125%. The current UPB reflected as per the PH is $242,250.00. | $1501.83 | $1501.83 | $0.00 | $1440.64 | $1446.05 | $1446.05 | $966.00 | $1446.05 | $1446.05 | $2892.10 | $1446.05 | $1446.05 | $1446.05 | $1446.05 | $1446.05 | $1446.05 | $1703.32 | $1703.32 | $1606.77 | $1606.77 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000001110004444444 | 444444400011100000000000 | 2025-10-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1501.83000<br> $1501.83000<br> $0.00000<br> $1440.64000<br> $1446.05000<br> $1446.05000<br> $966.00000<br> $1446.05000<br> $1446.05000<br> $2892.10000<br> $1446.05000<br> $1446.05000<br> $1446.05000<br> $1446.05000<br> $1446.05000<br> $1446.05000<br> $1703.32000<br> $1703.32000<br> $1606.77000<br> $1606.77000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.200% | 0.000% | 33.300% | 64.300% | $1224.30 | $29383.08 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $581361.34 | 7.375% | $4040.45 | $4821.93 | 2025-11-03 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,821.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,040.45 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $581,361.34. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3494.50 | $4614.13 | $4614.13 | $4614.13 | $4821.93 | $4821.93 | $4821.93 | $4821.93 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3494.50000<br> $4614.13000<br> $4614.13000<br> $4614.13000<br> $4821.93000<br> $4821.93000<br> $4821.93000<br> $4821.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 31.600% | 0.000% | 33.300% | 63.300% | $1526.03 | $36624.61 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $295189.46 | 3.500% | $1300.52 | $2676.93 | 2025-11-12 | 2025-10-01 | 1 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,676.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,300.52 with an interest rate of 3.50%. The current UPB reflected as per the payment history is $295,189.46, and the deferred amount is $1,269.66.<br> As per the deferment agreement dated xx/xx/2024, which is located at "xx", the servicer deferred payments in the amount of $1,269.66. | $0.00 | $5697.31 | $0.00 | $2520.19 | $0.00 | $5040.38 | $0.00 | $8941.94 | $0.00 | $0.00 | $5040.38 | $5040.38 | $0.00 | $2520.19 | $2679.82 | $2679.82 | $2679.82 | $2676.93 | $2676.93 | $2676.93 | $0.00 | $0.00 | $0.00 | $0.00 | 111111110121043433232111 | 111232334340121011111111 | 2025-10-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $5697.31000<br> $0.00000<br> $2520.19000<br> $0.00000<br> $5040.38000<br> $0.00000<br> $8941.94000<br> $0.00000<br> $0.00000<br> $5040.38000<br> $5040.38000<br> $0.00000<br> $2520.19000<br> $2679.82000<br> $2679.82000<br> $2679.82000<br> $2676.93000<br> $2676.93000<br> $2676.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.200% | 0.000% | 33.300% | 57.900% | $2119.63 | $50871.02 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $213717.31 | 6.750% | $1412.29 | $2017.17 | 2025-10-27 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,017.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,412.29 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $213,717.31. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4034.34 | $0.00 | $4034.34 | $3658.51 | $0.00 | $4034.34 | $0.00 | $4034.34 | $0.00 | $2017.17 | $2017.17 | $2017.17 | $0.00 | $0.00 | $0.00 | $0.00 | 111010100101 | 101001010111 | 2025-10-27 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4034.34000<br> $0.00000<br> $4034.34000<br> $3658.51000<br> $0.00000<br> $4034.34000<br> $0.00000<br> $4034.34000<br> $0.00000<br> $2017.17000<br> $2017.17000<br> $2017.17000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 53.400% | 0.000% | 33.300% | 58.300% | $1076.97 | $25847.38 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $229500.00 | 7.500% | $1604.70 | $1604.70 | 2025-10-23 | 2025-05-01 | 5 | The loan originated on xx/xx/2025 and first payment date is xx/xx/2025. According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $1,604.70 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $229,500.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 44321 | 12344 |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $48986.22 | 8.500% | $433.92 | $433.92 | 2025-11-11 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $433.92, which was applied for the due date of xx/xx/2025. The current xxis $433.92 with an interest rate of 8.500%. The current UPB reflected as per the payment history is $48,986.22. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $433.92 | $0.00 | $0.00 | $0.00 | $0.00 | $1735.68 | $433.92 | $0.00 | $0.00 | $1301.76 | $867.84 | $0.00 | $0.00 | $0.00 | $0.00 | 00021003210 | 01230012000 | 2025-10-25 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $433.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1735.68000<br> $433.92000<br> $0.00000<br> $0.00000<br> $1301.76000<br> $867.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 83.300% | 83.300% | $198.88 | $4773.12 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $76046.54 | 9.250% | $714.37 | $714.37 | 2025-11-11 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $714.37, which was applied for the due date of xx/xx/2025. The current xxis $714.37 with an interest rate of 9.250%. The current UPB reflected as per the payment history is $76,046.54. | $0.00 | $0.00 | $0.00 | $0.00 | $744.37 | $714.37 | $0.00 | $0.00 | $714.37 | $1428.74 | $0.00 | $1428.74 | $0.00 | $1428.74 | $714.37 | $0.00 | $1428.74 | $0.00 | $1428.74 | $0.00 | $1428.74 | $0.00 | $0.00 | $0.00 | 0101010010101100 | 0011010100101010 | 2025-11-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $744.37000<br> $714.37000<br> $0.00000<br> $0.00000<br> $714.37000<br> $1428.74000<br> $0.00000<br> $1428.74000<br> $0.00000<br> $1428.74000<br> $714.37000<br> $0.00000<br> $1428.74000<br> $0.00000<br> $1428.74000<br> $0.00000<br> $1428.74000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.800% | 0.000% | 66.700% | 75.000% | $477.50 | $11459.92 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $622958.33 | 6.500% | $3982.03 | $3982.03 | 2025-11-03 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,982.03 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,982.03 and the interest rate is 6.500%. The current UPB reflected as per the payment history is $622,958.33. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3982.03 | $0.00 | $3982.03 | $3982.03 | $3982.03 | $3982.03 | $3982.03 | $3982.03 | $3982.03 | $3982.03 | $3982.03 | $3982.03 | $3982.03 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3982.03000<br> $0.00000<br> $3982.03000<br> $3982.03000<br> $3982.03000<br> $3982.03000<br> $3982.03000<br> $3982.03000<br> $3982.03000<br> $3982.03000<br> $3982.03000<br> $3982.03000<br> $3982.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 33.300% | 66.700% | $1991.02 | $47784.36 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $218207.31 | 6.625% | $1398.44 | $1728.89 | 2025-11-04 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,728.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,398.44 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $218,207.31. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1728.89 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1728.89000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $72.04 | $1728.89 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $399731.62 | 6.750% | $2642.93 | $3532.62 | 2025-11-05 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,532.62 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,642.93 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $399,731.62. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $14073.55 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-10-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $14073.55000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.600% | 0.000% | 66.400% | 33.200% | $586.40 | $14073.55 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $119699.83 | 7.250% | $832.94 | $1110.03 | 2025-11-04 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,110.03 (xx), which was applied for the due date of xx/xx/2025. The current xxis $832.94 with an interest rate of 7.250%. The current UPB reflected is $119,699.83. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1110.03 | $3210.03 | $1110.03 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1110.03000<br> $3210.03000<br> $1110.03000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.400% | 0.000% | 81.500% | 40.800% | $226.25 | $5430.09 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $240317.31 | 3.490% | $930.44 | $1451.11 | 2025-11-05 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,456.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $930.44 with an interest rate of 3.490%. The current UPB reflected as per the payment history is $240,317.31. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1380.67 | $1455.46 | $1380.67 | $0.00 | $1456.00 | $0.00 | $0.00 | $0.00 | $0.00 | 044444444444444444444444 | 444444444444444444444440 | 2025-10-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1380.67000<br> $1455.46000<br> $1380.67000<br> $0.00000<br> $1456.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.300% | 0.000% | 16.700% | 32.600% | $236.37 | $5672.80 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $129259.23 | 7.125% | $875.83 | $1180.46 | 2025-11-05 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,180.46 (xx), which was applied for the due date of xx/xx/2025. The current xxis $875.83 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $129,259.23.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1180.46 | $1180.46 | $1180.46 | $1180.46 | $1180.46 | $1180.46 | $1180.46 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1180.46000<br> $1180.46000<br> $1180.46000<br> $1180.46000<br> $1180.46000<br> $1180.46000<br> $1180.46000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 50.000% | 58.300% | $344.30 | $8263.22 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $162613.50 | 6.490% | $1119.39 | $1519.13 | 2025-11-05 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,519.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,119.39 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $162,613.50. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4373.11 | $1519.13 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4373.11000<br> $1519.13000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.200% | 0.000% | 64.600% | 32.300% | $245.51 | $5892.24 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $588937.84 | 4.500% | $3176.92 | $3719.53 | 2025-11-05 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,719.53 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,176.92 with an interest rate of 4.500%. The current UPB reflected as per the payment history is $588,937.84. | $4000.36 | $3910.00 | $4700.00 | $4700.00 | $3740.00 | $3720.00 | $3720.00 | $3720.00 | $3720.00 | $3720.00 | $3720.00 | $3720.00 | $3719.53 | $3719.53 | $3719.53 | $3719.53 | $3719.53 | $3719.53 | $3719.53 | $3719.53 | $3719.53 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4000.36000<br> $3910.00000<br> $4700.00000<br> $4700.00000<br> $3740.00000<br> $3720.00000<br> $3720.00000<br> $3720.00000<br> $3720.00000<br> $3720.00000<br> $3720.00000<br> $3720.00000<br> $3719.53000<br> $3719.53000<br> $3719.53000<br> $3719.53000<br> $3719.53000<br> $3719.53000<br> $3719.53000<br> $3719.53000<br> $3719.53000<br> $0.00000<br> $0.00000<br> $0.00000 | 90.300% | 0.000% | 50.000% | 75.000% | $3356.92 | $80566.13 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $238495.68 | 7.625% | $1699.41 | $2368.79 | 2025-11-04 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,368.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,699.41 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $238,495.68. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2368.79 | $0.00 | $0.00 | $0.00 | $0.00 | $11843.95 | $2368.79 | $4737.58 | $0.00 | $0.00 | $0.00 | 000043210 | 012340000 | 2025-11-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2368.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $11843.95000<br> $2368.79000<br> $4737.58000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 133.300% | 75.000% | $888.30 | $21319.11 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $267313.28 | 7.125% | $3669.07 | $4489.79 | 2025-10-31 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,489.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,669.07 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $267,313.28.<br> There is a large principal curtailment payment for the amount of $xx on xx/xx/2024. As per the comment dated xx/xx/2024, the borrower xx,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $4489.79 | $4489.79 | $254489.79 | $4489.79 | $0.00 | $4489.79 | $4489.79 | $4489.79 | $4489.79 | $4489.79 | $4489.79 | $4489.79 | $4489.79 | $4489.79 | $4489.79 | $4489.79 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000 | 0000000000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4489.79000<br> $4489.79000<br> $254489.79000<br> $4489.79000<br> $0.00000<br> $4489.79000<br> $4489.79000<br> $4489.79000<br> $4489.79000<br> $4489.79000<br> $4489.79000<br> $4489.79000<br> $4489.79000<br> $4489.79000<br> $4489.79000<br> $4489.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 294.500% | 0.000% | 33.300% | 66.700% | $13222.79 | $317346.85 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $324176.17 | 6.875% | $2135.02 | $3098.71 | 2025-11-05 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,098.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,135.02 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $324,176.17. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3098.71 | $0.00 | $6197.42 | $0.00 | $0.00 | $0.00 | 010 | 010 | 2025-11-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3098.71000<br> $0.00000<br> $6197.42000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $387.34 | $9296.13 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $481213.73 | 6.490% | $3041.19 | $3928.43 | 2025-10-17 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,928.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,041.19 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $481,213.73. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3928.43 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3928.43000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $163.68 | $3928.43 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $273803.60 | 6.990% | $1895.10 | $2119.91 | 2025-11-10 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,119.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,895.10 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $273,803.60. | $2046.97 | $2394.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $896.67 | $0.00 | $0.00 | $2095.94 | $0.00 | $0.00 | $0.00 | $8463.76 | $2095.94 | $2119.91 | $2200.00 | $0.00 | $0.00 | $0.00 | 000032100000444432100000 | 000001234444000001230000 | 2025-11-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2046.97000<br> $2394.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $896.67000<br> $0.00000<br> $0.00000<br> $2095.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8463.76000<br> $2095.94000<br> $2119.91000<br> $2200.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 43.900% | 0.000% | 50.400% | 66.700% | $929.75 | $22314.02 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $239624.65 | 6.625% | $1552.75 | $1772.41 | 2025-11-05 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,772.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,552.75 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $239,624.65. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1778.65 | $1778.65 | $1778.65 | $1778.65 | $1778.65 | $1778.65 | $3577.42 | $3577.42 | $3577.42 | $1779.55 | $1779.55 | $1779.55 | $1772.41 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1778.65000<br> $1778.65000<br> $1778.65000<br> $1778.65000<br> $1778.65000<br> $1778.65000<br> $3577.42000<br> $3577.42000<br> $3577.42000<br> $1779.55000<br> $1779.55000<br> $1779.55000<br> $1772.41000<br> $0.00000<br> $0.00000<br> $0.00000 | 67.000% | 0.000% | 50.100% | 100.600% | $1188.13 | $28515.22 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $224860.24 | 6.875% | $1482.20 | $1635.55 | 2025-11-05 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,635.55 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,482.20 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $224,860.24. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1652.47 | $1652.47 | $3271.10 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-10-27 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1652.47000<br> $1652.47000<br> $3271.10000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.800% | 0.000% | 50.200% | 33.500% | $274.00 | $6576.04 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $355705.45 | 6.125% | $2165.52 | $2402.57 | 2025-11-06 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,402.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,165.52 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $355,705.45. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4805.14 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-10-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4805.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $200.21 | $4805.14 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $181627.20 | 6.500% | $1157.63 | $1368.25 | 2025-10-21 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,368.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,157.63 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $181,627.20. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1368.25 | $0.00 | $1368.25 | $1368.25 | $1368.25 | $1368.25 | $1368.25 | $1368.25 | $1368.25 | $1368.25 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1368.25000<br> $0.00000<br> $1368.25000<br> $1368.25000<br> $1368.25000<br> $1368.25000<br> $1368.25000<br> $1368.25000<br> $1368.25000<br> $1368.25000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 33.300% | 66.700% | $513.09 | $12314.25 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $2131736.68 | 6.124% | $12976.57 | $15605.59 | 2025-10-29 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $15,605.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $12,976.57 with an interest rate of 6.124%. The current UPB reflected as per the payment history is $2,131,736.68. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $15605.59 | $15605.59 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $15605.59000<br> $15605.59000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $1300.47 | $31211.18 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $216471.35 | 7.000% | $1453.69 | $1951.25 | 2025-10-27 | 2025-08-01 | 2 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,951.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,453.69 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $216,471.35. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1951.25 | $1951.25 | $1951.25 | $1951.25 | $1951.25 | $1951.25 | $1951.25 | $1951.25 | $3902.50 | $1951.25 | $0.00 | $0.00 | $0.00 | $0.00 | 3444444444321 | 1234444444443 | 2025-10-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1951.25000<br> $1951.25000<br> $1951.25000<br> $1951.25000<br> $1951.25000<br> $1951.25000<br> $1951.25000<br> $1951.25000<br> $3902.50000<br> $1951.25000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 50.000% | 75.000% | $894.32 | $21463.75 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $104752.77 | 7.250% | $716.29 | $1150.65 | 2025-10-08 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,150.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $716.29 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $104,752.77. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1150.65 | $0.00 | $1150.65 | $1150.65 | $0.00 | $0.00 | $0.00 | $0.00 | 110 | 011 | 2025-10-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1150.65000<br> $0.00000<br> $1150.65000<br> $1150.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $143.83 | $3451.95 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $279300.00 | 6.500% | $1512.88 |  | 2025-11-05 | 2025-12-01 | 0 | The loan was originated on xx/xx/2025, as an interest-only loan with the first payment due on xx/xx/2025. According to the tape as of xx/xx/2025, the next due date is xx/xx/2025. The borrower xx only interest-only payments of $1,512.88 for the first 120 months. After the 120 months, the borrower xx and interest-only payments for the remaining terms in the amount of $2,082.39 with an interest rate of 6.500%. The current UPB reflected as per the tape is $279,300.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $167261.80 | 3.625% | $864.03 | $1236.28 | 2025-10-27 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,236.28 (xx), which was applied for the due date of xx/xx/2025. The current xxis $864.03 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $167,261.80. | $0.00 | $0.00 | $738.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $46871.81 | $1236.28 | $1236.28 | $1236.28 | $1236.28 | $1236.28 | $1236.28 | $1236.28 | $1236.28 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000444444444444321 | 123444444444444000000000 | 2025-10-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $738.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $46871.81000<br> $1236.28000<br> $1236.28000<br> $1236.28000<br> $1236.28000<br> $1236.28000<br> $1236.28000<br> $1236.28000<br> $1236.28000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 193.800% | 0.000% | 33.300% | 66.700% | $2395.85 | $57500.47 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $626617.99 | 6.624% | $4033.54 | $5550.30 | 2025-11-03 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,550.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,033.54 and the interest rate is 6.624%. The current UPB reflected as per the payment history is $626,617.99. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5550.30 | $5550.30 | $5550.30 | $5550.30 | $5550.30 | $5550.30 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5550.30000<br> $5550.30000<br> $5550.30000<br> $5550.30000<br> $5550.30000<br> $5550.30000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 50.000% | 50.000% | $1387.58 | $33301.80 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $123201.95 | 7.125% | $832.04 | $1296.91 | 2025-11-07 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,296.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $832.04 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $123,201.95. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1296.91 | $0.00 | $1296.91 | $1296.91 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-11-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1296.91000<br> $0.00000<br> $1296.91000<br> $1296.91000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $162.11 | $3890.73 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $146918.82 | 7.750% | $1075.20 | $1364.20 | 2025-11-07 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,364.20 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,075.20 with an interest rate of 7.750%. The current UPB reflected as per the payment history is $146,918.82. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1431.54 | $4147.47 | $1364.20 | $1364.20 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-11-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1431.54000<br> $4147.47000<br> $1364.20000<br> $1364.20000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.400% | 0.000% | 84.000% | 50.700% | $346.14 | $8307.41 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $314937.38 | 7.125% | $2149.16 | $3326.66 | 2025-10-27 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,326.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,149.16 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $314,937.38. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3326.66 | $0.00 | $9926.66 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-10-24 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3326.66000<br> $0.00000<br> $9926.66000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.600% | 0.000% | 49.700% | 33.200% | $552.22 | $13253.32 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $135954.22 | 7.500% | $957.92 | $1401.85 | 2025-11-25 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,401.85 (xx), which was applied for the due date of xx/xx/2025. The current xxis $957.92 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $135,954.22. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1401.85 | $2803.70 | $0.00 | $1401.85 | $1401.85 | $1401.85 | $0.00 | $2803.70 | $1401.85 | $1401.85 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-11-24 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1401.85000<br> $2803.70000<br> $0.00000<br> $1401.85000<br> $1401.85000<br> $1401.85000<br> $0.00000<br> $2803.70000<br> $1401.85000<br> $1401.85000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 66.700% | 75.000% | $584.10 | $14018.50 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $91494.69 | 7.625% | $663.56 | $1121.40 | 2025-12-05 | 2026-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,121.40 (xx), which was applied for the due date of xx/xx/2026. The current xxis $663.56 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $91,494.69. | $0.00 | $0.00 | $1043.39 | $1043.39 | $1043.39 | $1043.39 | $1043.39 | $1043.39 | $2086.78 | $0.00 | $0.00 | $0.00 | $4173.56 | $0.00 | $2219.50 | $1121.40 | $1121.40 | $2242.80 | $0.00 | $1121.40 | $1121.40 | $2242.80 | $0.00 | $0.00 | 00000000103210000000 | 00000001230100000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $1043.39000<br> $1043.39000<br> $1043.39000<br> $1043.39000<br> $1043.39000<br> $1043.39000<br> $2086.78000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4173.56000<br> $0.00000<br> $2219.50000<br> $1121.40000<br> $1121.40000<br> $2242.80000<br> $0.00000<br> $1121.40000<br> $1121.40000<br> $2242.80000<br> $0.00000<br> $0.00000 | 88.100% | 66.700% | 66.700% | 114.200% | $987.97 | $23711.38 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $492000.00 | 6.990% | $3269.98 |  | 2025-11-04 | 2025-11-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $3,269.98 with an interest rate of 6.990%. The current UPB as per payment history is $492,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $32000.00 |  |  |  | 2025-10-29 | 2035-03-01 | 0 | The subject mortgage originated as a second on xx/xx/2025 in the amount of $32,000.00. Per the tape and documents, these loans have a 0% interest rate and will be payable at the maturity date. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $188500.43 | 8.125% | $1403.32 | $1654.53 | 2025-11-03 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,654.53 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,403.32 with an interest rate of 8.125%. The current UPB reflected as per the payment history is $188,500.43. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1654.53 | $1654.53 | $1654.53 | $1654.53 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1654.53000<br> $1654.53000<br> $1654.53000<br> $1654.53000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 50.000% | 33.300% | $275.76 | $6618.12 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $62400.00 | 6.375% | $389.29 | $389.29 | 2025-10-29 | 2025-12-01 | 0 | The loan was originated on xx/xx/2025, with the first payment date on xx/xx/2025. According to tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current xxis $389.29 with an interest rate of 6.375%. The current UPB reflected as per the tape data is $62,400.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $186205.66 | 6.750% | $1216.27 | $2515.04 | 2025-11-03 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,515.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,216.27 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $186,205.66. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2515.04 | $0.00 | $2515.04 | $2515.04 | $2515.04 | $2515.04 | $2515.04 | $2515.04 | $2515.04 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2515.04000<br> $0.00000<br> $2515.04000<br> $2515.04000<br> $2515.04000<br> $2515.04000<br> $2515.04000<br> $2515.04000<br> $2515.04000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 50.000% | 66.700% | $838.35 | $20120.32 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $75000.00 | 7.750% | $537.31 | $537.31 | 2025-10-29 | 2025-11-01 | 0 | The subject loan was originated on xx/xx/2025 and the first payment is due on xx/xx/2025. According to tape data as of xx/xx/2025, the next due date is xx/xx/2025. The first payment is due for xx/xx/2025. The current xxis $537.31 with an interest rate of 7.75 %. The current UPB reflected as per the tape data is $75,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $312598.09 | 7.500% | $2190.64 | $2783.34 | 2025-11-11 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,783.34 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,190.64 and the interest rate is 7.500%. The current UPB reflected as per the payment history is $312,598.09. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2783.34 | $2783.34 | $2783.34 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2783.34000<br> $2783.34000<br> $2783.34000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $347.92 | $8350.02 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $774032.96 | 6.875% | $5097.77 | $5097.77 | 2025-11-11 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,097.77 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,097.77 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $774,032.96. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5097.77 | $5097.77 | $0.00 | $5097.77 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5097.77000<br> $5097.77000<br> $0.00000<br> $5097.77000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $637.22 | $15293.31 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $452081.00 | 6.125% | $2795.01 | $3100.80 | 2025-11-11 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,100.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,795.01 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $452,081.00. | $0.00 | $0.00 | $0.00 | $0.00 | $6116.94 | $0.00 | $7170.80 | $0.00 | $3058.47 | $3058.47 | $3058.47 | $3058.47 | $3058.47 | $3058.47 | $3058.47 | $3100.80 | $3100.80 | $3100.80 | $3100.80 | $3100.80 | $3100.80 | $0.00 | $0.00 | $0.00 | 00000000000000000 | 00000000000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6116.94000<br> $0.00000<br> $7170.80000<br> $0.00000<br> $3058.47000<br> $3058.47000<br> $3058.47000<br> $3058.47000<br> $3058.47000<br> $3058.47000<br> $3058.47000<br> $3100.80000<br> $3100.80000<br> $3100.80000<br> $3100.80000<br> $3100.80000<br> $3100.80000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.600% | 0.000% | 50.000% | 74.700% | $2220.91 | $53301.83 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $439142.15 | 6.500% | $2910.79 | $3792.48 | 2025-11-11 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,792.48 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,910.79 and the interest rate is 6.500%. The current UPB reflected as per the payment history is $439,142.15.<br>| $3383.59 | $3383.59 | $3974.44 | $3974.44 | $3974.44 | $3974.44 | $3974.44 | $3974.44 | $3974.44 | $3974.44 | $3974.44 | $3974.44 | $3974.44 | $3974.44 | $3892.48 | $7784.96 | $0.00 | $3892.48 | $3892.48 | $3892.48 | $3892.48 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3383.59000<br> $3383.59000<br> $3974.44000<br> $3974.44000<br> $3974.44000<br> $3974.44000<br> $3974.44000<br> $3974.44000<br> $3974.44000<br> $3974.44000<br> $3974.44000<br> $3974.44000<br> $3974.44000<br> $3974.44000<br> $3892.48000<br> $7784.96000<br> $0.00000<br> $3892.48000<br> $3892.48000<br> $3892.48000<br> $3892.48000<br> $0.00000<br> $0.00000<br> $0.00000 | 89.800% | 0.000% | 51.300% | 77.300% | $3404.49 | $81707.82 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $423378.25 | 3.000% | $1989.97 | $3403.55 | 2025-10-29 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,403.55 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,989.97 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $423,378.25. | $3020.92 | $3153.29 | $0.00 | $6306.58 | $3153.29 | $3153.29 | $3153.29 | $3403.55 | $3403.55 | $3403.55 | $3403.55 | $3403.55 | $3403.55 | $3403.55 | $3403.55 | $3403.55 | $3403.55 | $0.00 | $6807.10 | $3403.55 | $0.00 | $0.00 | $0.00 | $0.00 | 001000000000000001000000 | 000000100000000000000100 | 2025-10-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3020.92000<br> $3153.29000<br> $0.00000<br> $6306.58000<br> $3153.29000<br> $3153.29000<br> $3153.29000<br> $3403.55000<br> $3403.55000<br> $3403.55000<br> $3403.55000<br> $3403.55000<br> $3403.55000<br> $3403.55000<br> $3403.55000<br> $3403.55000<br> $3403.55000<br> $0.00000<br> $6807.10000<br> $3403.55000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.000% | 0.000% | 50.000% | 66.700% | $2757.78 | $66186.81 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $308816.16 | 3.875% | $1563.54 | $2951.32 | 2025-11-11 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,951.32 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,563.54 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $308,816.16. | $0.00 | $5661.34 | $2830.67 | $2830.67 | $2830.67 | $2830.67 | $2830.67 | $2830.67 | $2830.67 | $0.00 | $2830.67 | $2830.67 | $2951.32 | $2951.32 | $2951.32 | $2951.32 | $2951.32 | $2951.32 | $0.00 | $5902.64 | $0.00 | $0.00 | $0.00 | $0.00 | 010000000000000000000000 | 000000000000000000000010 | 2025-10-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $5661.34000<br> $2830.67000<br> $2830.67000<br> $2830.67000<br> $2830.67000<br> $2830.67000<br> $2830.67000<br> $2830.67000<br> $0.00000<br> $2830.67000<br> $2830.67000<br> $2951.32000<br> $2951.32000<br> $2951.32000<br> $2951.32000<br> $2951.32000<br> $2951.32000<br> $0.00000<br> $5902.64000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.300% | 0.000% | 33.300% | 66.700% | $2281.16 | $54747.93 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $210262.37 | 8.125% | $1562.21 | $1988.69 | 2025-10-29 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,988.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,562.21 with an interest rate of 8.125%. The current UPB is $210,262.37. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1988.69 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-09-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1988.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $82.86 | $1988.69 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $267000.00 | 6.624% | $1709.45 |  | 2025-10-31 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,709.45 and with the interest rate of 6.624%. The current UPB reflected as per the tape is $267,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMM | MMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $506445.33 | 7.875% | $3679.73 | $3954.07 | 2025-11-11 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,954.07 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,679.73 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $506,445.33. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7908.14 | $3954.07 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-10-24 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7908.14000<br> $3954.07000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $494.26 | $11862.21 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $502870.85 | 7.500% | $3524.04 | $3798.38 | 2025-11-11 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,798.38 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,524.04 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $502,870.85. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7596.76 | $3798.38 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-10-24 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7596.76000<br> $3798.38000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $474.80 | $11395.14 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $157102.00 | 5.750% | $916.80 | $916.80 | 2025-11-06 | 2025-12-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the tape as of xx/xx/2025, the next due date is xx/xx/2025. The current xxis $916.80 with an interest rate of 5.750%. The current UPB reflected as per tape is $157,102.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $776000.00 | 7.125% | $5228.06 |  | 2025-11-05 | 2025-12-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the tape as of xx/xx/2025, the next due date isxx/xx/2025. The current xxis $5,228.06 with an interest rate of 7.125%. The current UPB reflected as per the tape is $776,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $210879.23 | 1.990% | $645.81 | $1194.82 | 2025-11-24 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,194.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $645.81 with an interest rate of 1.990%. The current UPB reflected as per the payment history is $210,879.23. | $0.00 | $2067.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2067.30 | $0.00 | $1194.82 | $0.00 | $1194.82 | $1194.82 | $1194.82 | $1194.82 | $1194.82 | $1194.82 | $1250.00 | $1250.00 | $0.00 | $0.00 | $0.00 | 000000000444444444444444 | 444444444444444000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $2067.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2067.30000<br> $0.00000<br> $1194.82000<br> $0.00000<br> $1194.82000<br> $1194.82000<br> $1194.82000<br> $1194.82000<br> $1194.82000<br> $1194.82000<br> $1250.00000<br> $1250.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 52.300% | 0.000% | 51.500% | 67.400% | $624.93 | $14998.34 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $103393.08 | 7.875% | $894.97 | $1001.99 | 2025-11-06 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,001.99 (xx), which was applied for the due date of xx/xx/2025. The current xxis $894.97 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $103,393.08. | $894.97 | $894.97 | $894.97 | $894.97 | $894.97 | $894.97 | $894.97 | $894.97 | $894.97 | $894.97 | $894.97 | $894.97 | $894.97 | $894.97 | $894.97 | $894.97 | $894.97 | $1001.99 | $2003.98 | $0.00 | $1001.99 | $0.00 | $0.00 | $0.00 | 00000000000000000000000 | 00000000000000000000000 | 2025-11-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $894.97000<br> $1001.99000<br> $2003.98000<br> $0.00000<br> $1001.99000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.900% | 0.000% | 50.000% | 70.500% | $800.94 | $19222.45 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $273922.65 | 6.125% | $1670.93 | $1670.93 | 2025-11-24 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,670.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,670.93 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $273,922.65. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1670.93 | $3341.86 | $1670.93 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-10-28 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1670.93000<br> $3341.86000<br> $1670.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 50.000% | 33.300% | $278.49 | $6683.72 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $92469.92 | 7.125% | $636.66 | $1367.94 | 2025-11-04 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,367.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $636.66 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $92,469.92. | $929.79 | $929.79 | $929.79 | $929.79 | $929.79 | $929.79 | $929.79 | $893.52 | $893.52 | $893.52 | $893.52 | $893.52 | $893.52 | $893.52 | $1367.94 | $1367.94 | $1367.94 | $1367.94 | $1367.94 | $1367.94 | $1367.94 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $929.79000<br> $929.79000<br> $929.79000<br> $929.79000<br> $929.79000<br> $929.79000<br> $929.79000<br> $893.52000<br> $893.52000<br> $893.52000<br> $893.52000<br> $893.52000<br> $893.52000<br> $893.52000<br> $1367.94000<br> $1367.94000<br> $1367.94000<br> $1367.94000<br> $1367.94000<br> $1367.94000<br> $1367.94000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.000% | 0.000% | 50.000% | 69.200% | $930.78 | $22338.75 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $244036.87 | 6.125% | $1500.80 | $2066.74 | 2025-11-06 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,066.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,500.80 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $244,036.87. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2037.86 | $2037.86 | $2037.86 | $2037.86 | $2037.86 | $2037.86 | $2037.86 | $2037.86 | $2037.86 | $2066.74 | $2066.74 | $2066.74 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-11-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2037.86000<br> $2037.86000<br> $2037.86000<br> $2037.86000<br> $2037.86000<br> $2037.86000<br> $2037.86000<br> $2037.86000<br> $2037.86000<br> $2066.74000<br> $2066.74000<br> $2066.74000<br> $0.00000<br> $0.00000<br> $0.00000 | 49.500% | 0.000% | 50.000% | 74.300% | $1022.54 | $24540.96 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $495403.25 | 3.375% | $2314.46 | $3669.31 | 2025-12-03 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,669.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,314.46 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $495,403.25. | $3579.04 | $3579.04 | $3579.04 | $3579.04 | $3579.04 | $3579.04 | $3579.04 | $3579.04 | $3628.88 | $3655.90 | $3655.90 | $3655.90 | $3655.90 | $3655.90 | $3655.90 | $3655.90 | $3655.90 | $3689.62 | $3689.62 | $3689.62 | $3689.62 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3579.04000<br> $3579.04000<br> $3579.04000<br> $3579.04000<br> $3579.04000<br> $3579.04000<br> $3579.04000<br> $3579.04000<br> $3628.88000<br> $3655.90000<br> $3655.90000<br> $3655.90000<br> $3655.90000<br> $3655.90000<br> $3655.90000<br> $3655.90000<br> $3655.90000<br> $3689.62000<br> $3689.62000<br> $3689.62000<br> $3689.62000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.600% | 0.000% | 50.300% | 75.000% | $3177.79 | $76266.88 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $485272.31 | 2.990% | $2244.28 | $4678.80 | 2025-12-03 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,678.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,244.28 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $485,272.31. | $4597.97 | $9195.94 | $4597.97 | $4597.97 | $4597.97 | $0.00 | $9195.94 | $4597.97 | $0.00 | $9357.60 | $4678.80 | $4678.80 | $4678.80 | $4678.80 | $4678.80 | $4678.80 | $4678.80 | $4678.80 | $4678.80 | $4714.80 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-27 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4597.97000<br> $9195.94000<br> $4597.97000<br> $4597.97000<br> $4597.97000<br> $0.00000<br> $9195.94000<br> $4597.97000<br> $0.00000<br> $9357.60000<br> $4678.80000<br> $4678.80000<br> $4678.80000<br> $4678.80000<br> $4678.80000<br> $4678.80000<br> $4678.80000<br> $4678.80000<br> $4678.80000<br> $4714.80000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.900% | 0.000% | 33.500% | 66.700% | $4065.14 | $97563.33 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $122362.88 | 5.875% | $737.94 | $1384.01 | 2025-11-24 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,384.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $737.94 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $122,362.88. | $0.00 | $0.00 | $0.00 | $1330.43 | $1330.43 | $1330.43 | $1330.43 | $1330.43 | $1330.43 | $1330.43 | $1330.43 | $1330.43 | $1330.43 | $1330.43 | $1330.43 | $1397.31 | $1397.31 | $1397.31 | $1397.31 | $1384.01 | $1384.01 | $0.00 | $0.00 | $0.00 | 000000000000000000 | 000000000000000000 | 2025-11-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $1330.43000<br> $1330.43000<br> $1330.43000<br> $1330.43000<br> $1330.43000<br> $1330.43000<br> $1330.43000<br> $1330.43000<br> $1330.43000<br> $1330.43000<br> $1330.43000<br> $1330.43000<br> $1397.31000<br> $1397.31000<br> $1397.31000<br> $1397.31000<br> $1384.01000<br> $1384.01000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.200% | 0.000% | 50.200% | 74.400% | $1013.43 | $24322.42 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $435804.89 | 2.990% | $1594.77 | $2513.64 | 2025-11-12 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,513.64 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,594.77 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $435,804.89. | $4827.03 | $2408.80 | $0.00 | $2408.80 | $0.00 | $4817.60 | $0.00 | $7435.31 | $0.00 | $2617.71 | $2617.71 | $2617.71 | $2617.71 | $0.00 | $5131.35 | $5027.28 | $0.00 | $2513.64 | $0.00 | $5027.28 | $2513.64 | $0.00 | $0.00 | $0.00 | 001000010000001010000444 | 444000010100000010000100 | 2025-11-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4827.03000<br> $2408.80000<br> $0.00000<br> $2408.80000<br> $0.00000<br> $4817.60000<br> $0.00000<br> $7435.31000<br> $0.00000<br> $2617.71000<br> $2617.71000<br> $2617.71000<br> $2617.71000<br> $0.00000<br> $5131.35000<br> $5027.28000<br> $0.00000<br> $2513.64000<br> $0.00000<br> $5027.28000<br> $2513.64000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.200% | 0.000% | 50.000% | 75.700% | $2190.90 | $52581.57 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $451777.94 | 6.875% | $2986.73 | $2986.73 | 2025-11-24 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,986.73 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,986.73 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $451,777.94. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2986.73 | $2986.73 | $0.00 | $6122.80 | $2986.73 | $0.00 | $2986.73 | $2986.73 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2986.73000<br> $2986.73000<br> $0.00000<br> $6122.80000<br> $2986.73000<br> $0.00000<br> $2986.73000<br> $2986.73000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.400% | 0.000% | 33.300% | 58.800% | $877.35 | $21056.45 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $59617.89 | 6.875% | $419.30 | $541.93 | 2025-11-24 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $541.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $419.30 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $59,617.89. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $541.93 | $0.00 | $1083.86 | $541.93 | $541.93 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-11-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $541.93000<br> $0.00000<br> $1083.86000<br> $541.93000<br> $541.93000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 66.700% | 41.700% | $112.90 | $2709.65 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $176347.00 | 4.750% | $919.91 |  | 2025-11-04 | 2025-12-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to tape as of xx/xx/2025 and the next due date is xx/xx/2025. The current xxis $919.91 with an interest rate of 4.750%. The current UPB reflected as per the tape is $176,347.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $424000.00 | 4.750% | $2211.78 |  | 2025-11-04 | 2025-12-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current xxis $2,211.78 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $424,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $341502.62 | 5.500% | $1967.80 | $2228.66 | 2025-11-19 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,228.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,967.80 with an interest rate of 5.50%. The current UPB reflected as per the payment history is $341,502.62. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2228.67 | $2228.67 | $2228.67 | $2228.67 | $2228.67 | $2228.67 | $2228.66 | $2228.66 | $2228.66 | $2228.66 | $2228.66 | $2228.66 | $2228.66 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-10-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2228.67000<br> $2228.67000<br> $2228.67000<br> $2228.67000<br> $2228.67000<br> $2228.67000<br> $2228.66000<br> $2228.66000<br> $2228.66000<br> $2228.66000<br> $2228.66000<br> $2228.66000<br> $2228.66000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 33.300% | 66.700% | $1207.19 | $28972.64 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $147133.91 | 4.750% | $782.48 | $1643.69 | 2025-11-15 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,643.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $782.48 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $147,133.91. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1746.61 | $1746.61 | $1746.61 | $1746.61 | $1746.61 | $1746.61 | $1746.61 | $1746.61 | $1746.61 | $1746.61 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-11-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1746.61000<br> $1746.61000<br> $1746.61000<br> $1746.61000<br> $1746.61000<br> $1746.61000<br> $1746.61000<br> $1746.61000<br> $1746.61000<br> $1746.61000<br> $0.00000<br> $0.00000<br> $0.00000 | 44.300% | 0.000% | 53.100% | 79.700% | $727.75 | $17466.10 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $467749.26 | 4.375% | $2368.61 | $2623.15 | 2025-11-12 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,623.15 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,368.61 with an interest rate of 4.375%. The current UPB reflected as per the payment history is $467,749.26. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2623.15 | $2623.15 | $2623.15 | $2623.15 | $2623.15 | $2623.15 | $2623.15 | $2623.15 | $2623.15 | $2623.15 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-11-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2623.15000<br> $2623.15000<br> $2623.15000<br> $2623.15000<br> $2623.15000<br> $2623.15000<br> $2623.15000<br> $2623.15000<br> $2623.15000<br> $2623.15000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 50.000% | 75.000% | $1092.98 | $26231.50 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $880425.51 | 6.500% | $5600.92 | $7408.04 | 2025-11-14 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,408.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,600.92 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $880,425.51. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7408.04 | $7408.04 | $7408.04 | $7408.04 | $7408.04 | $7408.04 | $7408.04 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-11-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7408.04000<br> $7408.04000<br> $7408.04000<br> $7408.04000<br> $7408.04000<br> $7408.04000<br> $7408.04000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 50.000% | 58.300% | $2160.68 | $51856.28 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $386670.87 | 4.750% | $2035.20 | $2479.41 | 2025-11-11 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,479.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,035.20 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $386,670.87. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2479.41 | $2479.41 | $2479.41 | $2479.41 | $2479.41 | $2479.41 | $2479.41 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-11-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2479.41000<br> $2479.41000<br> $2479.41000<br> $2479.41000<br> $2479.41000<br> $2479.41000<br> $2479.41000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 50.000% | 58.300% | $723.16 | $17355.87 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $547809.51 | 6.125% | $3354.98 | $3787.18 | 2025-11-19 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,787.18 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,354.98 with an interest rate of 6.125%. The current UPB reflected as per payment history is $547,809.51. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3800.00 | $3800.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-10-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3800.00000<br> $3800.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.400% | 0.000% | 33.400% | 16.700% | $316.67 | $7600.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $261404.14 | 6.250% | $2272.18 | $2272.18 | 2025-11-15 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,272.18, which was applied for the due date of xx/xx/2025. The current xxis $2,272.18 with an interest rate of 6.250%. The current UPB is $261,404.14. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2272.18 | $2272.18 | $2272.18 | $2272.18 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-11-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2272.18000<br> $2272.18000<br> $2272.18000<br> $2272.18000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 50.000% | 33.300% | $378.70 | $9088.72 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $332717.45 | 6.125% | $2050.48 | $2221.67 | 2025-11-15 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,221.67 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,050.48 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $332,717.45. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2511.60 | $2511.60 | $2511.60 | $2511.60 | $2221.67 | $2221.67 | $2221.67 | $2221.67 | $2221.67 | $2221.67 | $2221.67 | $2221.67 | $5023.20 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-11-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2511.60000<br> $2511.60000<br> $2511.60000<br> $2511.60000<br> $2221.67000<br> $2221.67000<br> $2221.67000<br> $2221.67000<br> $2221.67000<br> $2221.67000<br> $2221.67000<br> $2221.67000<br> $5023.20000<br> $0.00000<br> $0.00000<br> $0.00000 | 61.600% | 0.000% | 71.000% | 85.500% | $1368.46 | $32842.96 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $257123.25 | 5.250% | $1436.66 | $2139.60 | 2025-11-17 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,139.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,436.66 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $257,123.25. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2139.60 | $2139.60 | $2139.60 | $2139.60 | $2139.60 | $2139.60 | $2139.60 | $2139.60 | $2139.60 | $2139.60 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-11-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2139.60000<br> $2139.60000<br> $2139.60000<br> $2139.60000<br> $2139.60000<br> $2139.60000<br> $2139.60000<br> $2139.60000<br> $2139.60000<br> $2139.60000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 50.000% | 75.000% | $891.50 | $21396.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $335598.13 | 5.750% | $1995.27 | $2715.19 | 2025-11-17 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,715.19 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,995.27 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $335,598.13. | $0.00 | $0.00 | $0.00 | $0.00 | $2606.45 | $2606.45 | $2606.45 | $2606.45 | $2606.45 | $2606.45 | $2715.19 | $2715.19 | $2715.19 | $2715.19 | $2715.19 | $2715.19 | $2715.19 | $2715.19 | $2715.19 | $2715.19 | $2715.19 | $0.00 | $0.00 | $0.00 | 00000000000000000 | 00000000000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2606.45000<br> $2606.45000<br> $2606.45000<br> $2606.45000<br> $2606.45000<br> $2606.45000<br> $2715.19000<br> $2715.19000<br> $2715.19000<br> $2715.19000<br> $2715.19000<br> $2715.19000<br> $2715.19000<br> $2715.19000<br> $2715.19000<br> $2715.19000<br> $2715.19000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.800% | 0.000% | 50.000% | 75.000% | $1896.07 | $45505.79 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $692139.99 | 6.000% | $4196.86 | $4196.86 | 2025-11-17 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,196.86 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,196.86 with an interest rate of 6.00%. The current UPB reflected as per the payment history is $692,139.99. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4196.86 | $4196.86 | $4196.86 | $4196.86 | $4196.86 | $4196.86 | $4196.86 | $4196.86 | $4196.86 | $4196.86 | $4196.86 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-11-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4196.86000<br> $4196.86000<br> $4196.86000<br> $4196.86000<br> $4196.86000<br> $4196.86000<br> $4196.86000<br> $4196.86000<br> $4196.86000<br> $4196.86000<br> $4196.86000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 50.000% | 75.000% | $1923.56 | $46165.46 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $1396185.75 | 5.625% | $8080.84 | $11148.43 | 2025-11-17 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $11,148.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $8,080.84 with an interest rate of 5.625%. The current UPB reflected as per the payment history is $1,396,185.75. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $11148.43 | $11148.43 | $0.00 | $11148.43 | $11148.43 | $11148.43 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $11148.43000<br> $11148.43000<br> $0.00000<br> $11148.43000<br> $11148.43000<br> $11148.43000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 50.000% | 41.700% | $2322.59 | $55742.15 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $487259.14 | 6.625% | $3175.94 | $3816.47 | 2025-11-03 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,816.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,175.94 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $487,259.14. | $0.00 | $0.00 | $3798.42 | $0.00 | $3798.42 | $3798.42 | $3798.42 | $3798.42 | $3798.42 | $3798.42 | $3798.42 | $3798.42 | $3798.42 | $3798.42 | $3817.29 | $3816.47 | $3816.47 | $3816.47 | $3816.47 | $3816.47 | $3816.47 | $0.00 | $0.00 | $0.00 | 000000000000000000M | M000000000000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $3798.42000<br> $0.00000<br> $3798.42000<br> $3798.42000<br> $3798.42000<br> $3798.42000<br> $3798.42000<br> $3798.42000<br> $3798.42000<br> $3798.42000<br> $3798.42000<br> $3798.42000<br> $3817.29000<br> $3816.47000<br> $3816.47000<br> $3816.47000<br> $3816.47000<br> $3816.47000<br> $3816.47000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.800% | 0.000% | 50.000% | 74.900% | $2854.11 | $68498.73 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $220336.15 | 3.125% | $1055.95 | $1498.59 | 2025-11-03 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,498.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,055.95 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $220,336.15.<br>| $1334.61 | $0.00 | $0.00 | $5071.21 | $1500.00 | $1293.86 | $1500.86 | $1500.86 | $1500.00 | $1500.00 | $1500.72 | $1500.00 | $1508.78 | $1502.04 | $1502.04 | $1499.64 | $1499.64 | $1500.59 | $1598.59 | $1498.59 | $1598.59 | $0.00 | $0.00 | $0.00 | 000000000000000000210000 | 000012000000000000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1334.61000<br> $0.00000<br> $0.00000<br> $5071.21000<br> $1500.00000<br> $1293.86000<br> $1500.86000<br> $1500.86000<br> $1500.00000<br> $1500.00000<br> $1500.72000<br> $1500.00000<br> $1508.78000<br> $1502.04000<br> $1502.04000<br> $1499.64000<br> $1499.64000<br> $1500.59000<br> $1598.59000<br> $1498.59000<br> $1598.59000<br> $0.00000<br> $0.00000<br> $0.00000 | 88.700% | 0.000% | 52.200% | 76.200% | $1329.61 | $31910.62 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $301484.15 | 5.500% | $1737.20 | $2079.92 | 2025-11-04 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,079.92 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,737.20 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $301,484.15.<br> As per the collection comment dated xx/xx/2024, the payments made in November 2024 are borrower payments. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $290000.00 | $2182.28 | $2182.28 | $2182.28 | $2182.28 | $2182.28 | $2182.28 | $2182.28 | $2182.28 | $2182.28 | $2182.28 | $2182.28 | $2079.92 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-11-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $290000.00000<br> $2182.28000<br> $2182.28000<br> $2182.28000<br> $2182.28000<br> $2182.28000<br> $2182.28000<br> $2182.28000<br> $2182.28000<br> $2182.28000<br> $2182.28000<br> $2182.28000<br> $2079.92000<br> $0.00000<br> $0.00000<br> $0.00000 | 633.200% | 0.000% | 51.600% | 78.300% | $13170.21 | $316085.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $802768.80 | 7.125% | $5496.53 | $5496.53 | 2025-11-07 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,496.53 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,496.53 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $802,768.80. | $0.00 | $0.00 | $5496.53 | $5496.53 | $5496.53 | $5496.53 | $5496.53 | $5496.53 | $5496.53 | $10993.06 | $0.00 | $5496.53 | $5496.53 | $5496.53 | $5496.53 | $5496.53 | $5496.53 | $5496.53 | $5496.53 | $5496.53 | $5496.53 | $0.00 | $0.00 | $0.00 | 0000000000000000000 | 0000000000000000000 | 2025-11-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $5496.53000<br> $5496.53000<br> $5496.53000<br> $5496.53000<br> $5496.53000<br> $5496.53000<br> $5496.53000<br> $10993.06000<br> $0.00000<br> $5496.53000<br> $5496.53000<br> $5496.53000<br> $5496.53000<br> $5496.53000<br> $5496.53000<br> $5496.53000<br> $5496.53000<br> $5496.53000<br> $5496.53000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.200% | 0.000% | 50.000% | 75.000% | $4351.42 | $104434.07 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $18335.36 | 4.875% | $1725.13 | $2277.70 | 2025-11-05 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,277.70 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,725.13 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $18,335.36. The due dates were adjusted from xx/xx/2024 to xx/xx/2025 due to a modification made on xx/xx/2025. | $3255.71 | $3255.71 | $3255.71 | $3332.03 | $3332.03 | $3332.03 | $3332.03 | $3332.03 | $3332.03 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5000.00 | $1792.98 | $2277.70 | $2277.70 | $2277.70 | $2277.70 | $2277.70 | $0.00 | $0.00 | $0.00 | 000004444321000000000000 | 000000000000123444400000 | 2025-11-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3255.71000<br> $3255.71000<br> $3255.71000<br> $3332.03000<br> $3332.03000<br> $3332.03000<br> $3332.03000<br> $3332.03000<br> $3332.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5000.00000<br> $1792.98000<br> $2277.70000<br> $2277.70000<br> $2277.70000<br> $2277.70000<br> $2277.70000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.700% | 0.000% | 50.000% | 66.500% | $1997.53 | $47940.79 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $117198.28 | 6.990% | $797.56 | $1234.93 | 2025-10-31 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,234.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $797.56 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $117,198.28. | $0.00 | $0.00 | $0.00 | $0.00 | $1179.65 | $1179.65 | $1179.65 | $1679.65 | $1179.65 | $1179.65 | $1179.65 | $1179.65 | $1179.65 | $1179.65 | $1297.65 | $1297.65 | $1358.93 | $1358.93 | $1234.93 | $1358.93 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000 | 000000000000000 | 2025-10-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1179.65000<br> $1179.65000<br> $1179.65000<br> $1679.65000<br> $1179.65000<br> $1179.65000<br> $1179.65000<br> $1179.65000<br> $1179.65000<br> $1179.65000<br> $1297.65000<br> $1297.65000<br> $1358.93000<br> $1358.93000<br> $1234.93000<br> $1358.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.200% | 0.000% | 35.000% | 69.300% | $841.81 | $20203.52 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $145478.02 | 6.375% | $918.65 | $1129.74 | 2025-10-31 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,129.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $918.65 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $145,478.02. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1140.00 | $1140.00 | $0.00 | $1150.00 | $2280.00 | $1140.00 | $1130.00 | $0.00 | $1140.00 | $1130.00 | $1130.00 | $1130.00 | $1130.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-10-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1140.00000<br> $1140.00000<br> $0.00000<br> $1150.00000<br> $2280.00000<br> $1140.00000<br> $1130.00000<br> $0.00000<br> $1140.00000<br> $1130.00000<br> $1130.00000<br> $1130.00000<br> $1130.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.300% | 0.000% | 33.300% | 58.500% | $568.33 | $13640.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $60904.70 | 5.250% | $512.69 | $869.47 | 2025-10-31 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $869.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $512.69 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $60,904.70.<br> xxchange notice document located at "xx" shows the new rate of 5.25% and monthly PITI of $869.47 with the effective date of xx/xx/2025. | $1620.14 | $810.07 | $810.07 | $810.07 | $810.00 | $810.07 | $810.07 | $810.07 | $836.87 | $836.87 | $869.47 | $0.00 | $1738.94 | $0.00 | $1738.94 | $0.00 | $1738.94 | $869.47 | $0.00 | $1738.94 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1620.14000<br> $810.07000<br> $810.07000<br> $810.07000<br> $810.00000<br> $810.07000<br> $810.07000<br> $810.07000<br> $836.87000<br> $836.87000<br> $869.47000<br> $0.00000<br> $1738.94000<br> $0.00000<br> $1738.94000<br> $0.00000<br> $1738.94000<br> $869.47000<br> $0.00000<br> $1738.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.600% | 0.000% | 33.300% | 75.000% | $735.79 | $17659.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $363841.40 | 3.250% | $1392.03 | $1530.64 | 2025-11-10 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,530.64 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,392.03 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $363,841.40. | $1766.22 | $1766.22 | $0.00 | $0.00 | $2784.06 | $3606.68 | $1770.86 | $1770.86 | $1770.86 | $1770.86 | $1770.86 | $1770.86 | $1724.27 | $1724.27 | $1724.27 | $1724.27 | $1724.27 | $1665.98 | $1665.98 | $1665.98 | $1530.64 | $0.00 | $0.00 | $0.00 | 000000000000000012100000 | 000001210000000000000000 | 2025-11-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1766.22000<br> $1766.22000<br> $0.00000<br> $0.00000<br> $2784.06000<br> $3606.68000<br> $1770.86000<br> $1770.86000<br> $1770.86000<br> $1770.86000<br> $1770.86000<br> $1770.86000<br> $1724.27000<br> $1724.27000<br> $1724.27000<br> $1724.27000<br> $1724.27000<br> $1665.98000<br> $1665.98000<br> $1665.98000<br> $1530.64000<br> $0.00000<br> $0.00000<br> $0.00000 | 97.200% | 0.000% | 52.900% | 82.500% | $1487.43 | $35698.27 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $329836.17 | 6.125% | $2028.45 | $2594.60 | 2025-10-31 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,594.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,028.45 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $329,836.17. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2594.60 | $5189.20 | $0.00 | $2594.60 | $5189.20 | $2594.60 | $2594.60 | $2594.60 | $2594.60 | $2594.60 | $0.00 | $0.00 | $0.00 | $0.00 | 00000011011M | M11011000000 | 2025-10-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2594.60000<br> $5189.20000<br> $0.00000<br> $2594.60000<br> $5189.20000<br> $2594.60000<br> $2594.60000<br> $2594.60000<br> $2594.60000<br> $2594.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 33.300% | 66.700% | $1189.19 | $28540.60 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $360787.70 | 8.250% | $2713.95 | $3370.06 | 2025-11-21 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,370.06 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,713.95 with an interest rate of 8.250%. The current UPB reflected as per the payment history is $360,787.70. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6740.12 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-11-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6740.12000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $280.84 | $6740.12 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $433600.00 | 6.500% | $2740.65 |  | 2025-11-14 | 2026-01-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2026. According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current xxis $2,740.65 with an interest rate of 6.5000%. The current UPB reflected as per the tape is $433,600.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $759361.51 | 6.875% | $4992.66 | $5931.94 | 2025-11-12 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,931.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,992.66 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $759,361.51. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5931.94 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-11-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5931.94000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $247.16 | $5931.94 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $541017.39 | 7.625% | $3836.24 | $5311.13 | 2025-11-04 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,311.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,836.24 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $541,017.39. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5311.13 | $5311.13 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-11-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5311.13000<br> $5311.13000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $442.59 | $10622.26 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $225928.80 | 6.625% | $1472.72 | $1814.34 | 2025-12-05 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,814.34 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,472.72 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $225,928.80. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1814.34 | $3628.68 | $1814.34 | $1814.34 | $1814.34 | $1814.34 | $1814.34 | $1814.34 | $1814.34 | $1814.34 | $1814.34 | $1814.34 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-10-25 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1814.34000<br> $3628.68000<br> $1814.34000<br> $1814.34000<br> $1814.34000<br> $1814.34000<br> $1814.34000<br> $1814.34000<br> $1814.34000<br> $1814.34000<br> $1814.34000<br> $1814.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 33.300% | 66.700% | $982.77 | $23586.42 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $518280.64 | 6.625% | $3355.23 | $6060.57 | 2025-12-05 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,060.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,355.23 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $518,280.64. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6060.00 | $6060.57 | $6060.57 | $6060.57 | $6060.57 | $6060.57 | $6060.57 | $6060.57 | $6060.57 | $6060.57 | $6060.57 | $6060.57 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6060.00000<br> $6060.57000<br> $6060.57000<br> $6060.57000<br> $6060.57000<br> $6060.57000<br> $6060.57000<br> $6060.57000<br> $6060.57000<br> $6060.57000<br> $6060.57000<br> $6060.57000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 50.000% | 75.000% | $3030.26 | $72726.27 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $273873.68 | 6.990% | $1829.40 | $1829.40 | 2025-11-20 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,829.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,829.40 with an interest rate of 6.990%. The current UPB is $273,873.68. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1829.40 | $1829.40 | $1829.40 | $1829.40 | $1829.40 | $1829.40 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-11-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1829.40000<br> $1829.40000<br> $1829.40000<br> $1829.40000<br> $1829.40000<br> $1829.40000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 50.000% | 50.000% | $457.35 | $10976.40 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $396132.77 | 6.375% | $2473.64 | $3006.26 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,006.26 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,473.64 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $396,132.77. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3006.26 | $0.00 | $0.00 | 0 | 0 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3006.26000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $125.26 | $3006.26 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $155868.94 | 6.875% | $1024.81 | $1433.62 | 2025-11-18 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,433.62 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,024.81 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $155,868.94. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1433.62 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1433.62000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $59.73 | $1433.62 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $369864.07 | 6.090% | $2288.38 | $2493.70 | 2025-11-19 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,493.70 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,288.38 with an interest rate of 6.090%. The current UPB reflected as per the payment history is $369,864.07. <br> PH shows a large transaction of principal payments other than xxon xx/xx/2025 in the amount of $6,671.03. As per the collection comment dated xx/xx/2025, there are borrower payments.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2663.05 | $2663.05 | $2663.05 | $0.00 | $9164.73 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-11-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2663.05000<br> $2663.05000<br> $2663.05000<br> $0.00000<br> $9164.73000<br> $0.00000<br> $0.00000<br> $0.00000 | 28.700% | 0.000% | 79.100% | 57.300% | $714.75 | $17153.88 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $316974.81 | 6.625% | $2071.82 | $2452.01 | 2025-11-19 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,452.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,071.82 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $316,974.81. <br> As per the collection comment dated xx/xx/2025, the payments received in the month of Nov 2025 are borrower payments. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2715.71 | $2452.01 | $8017.01 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-11-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2715.71000<br> $2452.01000<br> $8017.01000<br> $0.00000<br> $0.00000<br> $0.00000 | 22.400% | 0.000% | 89.600% | 44.800% | $549.36 | $13184.73 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $239926.65 | 7.250% | $1773.57 | $2334.23 | 2025-11-19 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,334.23 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,773.57 with an interest rate of 7.25%. The current UPB reflected as per the payment history is $239,926.65. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2334.23 | $2334.23 | $6554.40 | $2334.23 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-11-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2334.23000<br> $2334.23000<br> $6554.40000<br> $2334.23000<br> $0.00000<br> $0.00000<br> $0.00000 | 24.200% | 0.000% | 80.100% | 48.400% | $564.88 | $13557.09 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $474427.60 | 6.625% | $3054.28 | $3721.36 | 2025-11-19 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,721.36 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,054.28 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $474,427.60. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4577.33 | $860.69 | $4582.05 | $3721.36 | $3721.36 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-11-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4577.33000<br> $860.69000<br> $4582.05000<br> $3721.36000<br> $3721.36000<br> $0.00000<br> $0.00000<br> $0.00000 | 19.600% | 0.000% | 53.900% | 39.100% | $727.62 | $17462.79 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $408853.44 | 7.125% | $2777.40 | $3668.67 | 2025-11-19 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,668.67 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,777.40 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $408,853.44. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3668.67 | $3668.67 | $3768.67 | $3768.67 | $3668.67 | $3668.67 | $3768.67 | $3718.67 | $3668.67 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-11-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3668.67000<br> $3668.67000<br> $3768.67000<br> $3768.67000<br> $3668.67000<br> $3668.67000<br> $3768.67000<br> $3718.67000<br> $3668.67000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.900% | 0.000% | 50.700% | 75.800% | $1390.33 | $33368.03 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $114737.18 | 6.990% | $770.97 | $1103.67 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,103.67 (xx), which was applied for the due date of xx/xx/2025. The current xxis $770.97 and the interest rate is 6.990%. The current UPB reflected as per the payment history is $114,737.18. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $963.96 | $963.96 | $963.96 | $963.96 | $963.96 | $1342.46 | $1103.67 | $1103.67 | $1103.67 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $963.96000<br> $963.96000<br> $963.96000<br> $963.96000<br> $963.96000<br> $1342.46000<br> $1103.67000<br> $1103.67000<br> $1103.67000<br> $0.00000<br> $0.00000 | 35.800% | 33.300% | 70.300% | 71.500% | $394.72 | $9473.27 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $429121.05 | 5.875% | $2543.61 | $2924.21 | 2025-12-03 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,924.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,543.61 with an interest rate of 5.880%. The current UPB reflected as per the payment history is $429,121.05. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2924.21 | $2924.21 | $0.00 | $0.00 | 00 | 00 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2924.21000<br> $2924.21000<br> $0.00000<br> $0.00000 | 8.300% | 33.300% | 33.300% | 16.700% | $243.68 | $5848.42 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $226632.14 | 6.625% | $1478.80 | $1922.04 | 2025-11-21 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,922.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,478.80 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $226,632.14. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1814.89 | $1814.89 | $1814.89 | $1814.89 | $1814.89 | $1814.89 | $1814.89 | $1814.89 | $1814.89 | $1814.89 | $1814.89 | $1814.89 | $1814.89 | $1922.04 | $1922.04 | $0.00 | $0.00 | $0.00 | 000000000000000 | 000000000000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1814.89000<br> $1814.89000<br> $1814.89000<br> $1814.89000<br> $1814.89000<br> $1814.89000<br> $1814.89000<br> $1814.89000<br> $1814.89000<br> $1814.89000<br> $1814.89000<br> $1814.89000<br> $1814.89000<br> $1922.04000<br> $1922.04000<br> $0.00000<br> $0.00000<br> $0.00000 | 59.500% | 0.000% | 49.100% | 71.700% | $1143.24 | $27437.65 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $179082.97 | 6.880% | $1178.86 | $1535.35 | 2025-11-21 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,535.35 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,178.86 with an interest rate of 6.880%. The current UPB reflected as per the payment history is $179,082.97. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3135.35 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-10-28 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3135.35000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.500% | 0.000% | 34.000% | 17.000% | $130.64 | $3135.35 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $61844.19 | 5.875% | $370.89 | $605.95 | 2025-11-17 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $605.95 (xx), which was applied for the due date of xx/xx/2025. The current xxis $370.89 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $61,844.19.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $559.21 | $559.21 | $559.21 | $559.21 | $559.21 | $559.21 | $559.21 | $559.21 | $559.21 | $559.21 | $559.21 | $559.21 | $605.95 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-11-17 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $559.21000<br> $559.21000<br> $559.21000<br> $559.21000<br> $559.21000<br> $559.21000<br> $559.21000<br> $559.21000<br> $559.21000<br> $559.21000<br> $559.21000<br> $559.21000<br> $605.95000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.300% | 0.000% | 47.400% | 69.900% | $304.85 | $7316.47 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $182045.11 | 6.750% | $1182.78 | $1513.40 | 2025-11-21 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,513.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,182.78 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $182,045.11. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1513.40 | $1513.40 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-10-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1513.40000<br> $1513.40000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $126.12 | $3026.80 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $100519.78 | 7.875% | $730.87 | $982.08 | 2025-11-10 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $982.08 (xx), which was applied for the due date of xx/xx/2025. The current xxis $730.87 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $100,519.78. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $982.08 | $982.08 | $982.08 | $982.08 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-11-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $982.08000<br> $982.08000<br> $982.08000<br> $982.08000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 50.000% | 33.300% | $163.68 | $3928.32 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $584329.34 | 7.125% | $3939.89 | $3939.89 | 2025-11-20 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,939.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,939.89 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $584,329.34. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3939.89 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-11-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3939.89000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $164.16 | $3939.89 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $449295.80 | 7.250% | $3069.79 | $3944.01 | 2025-11-18 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,944.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,069.79 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $449,295.80. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3944.01 | $3944.01 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-11-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3944.01000<br> $3944.01000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $328.67 | $7888.02 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $451944.96 | 6.375% | $2844.85 | $3414.17 | 2025-11-10 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,414.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,844.85 and the interest rate is 6.375%. The current UPB reflected as per the payment history is $451,944.96. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3500.00 | $7000.30 | $3414.17 | $6864.34 | $0.00 | $3434.17 | $3434.17 | $0.00 | $0.00 | $6868.34 | $3434.17 | $0.00 | $0.00 | $0.00 | 001M00000011 | 11000000M100 | 2025-11-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3500.00000<br> $7000.30000<br> $3414.17000<br> $6864.34000<br> $0.00000<br> $3434.17000<br> $3434.17000<br> $0.00000<br> $0.00000<br> $6868.34000<br> $3434.17000<br> $0.00000<br> $0.00000<br> $0.00000 | 46.300% | 0.000% | 50.300% | 67.000% | $1581.24 | $37949.66 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $187227.73 | 7.625% | $1327.11 | $1560.26 | 2025-11-08 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,560.26 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,327.11 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $187,227.73. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1560.26 | $1560.26 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-11-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1560.26000<br> $1560.26000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $130.02 | $3120.52 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $308894.27 | 6.875% | $2030.92 | $2491.70 | 2025-11-03 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,491.70 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,030.92 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $308,894.27.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2491.70 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2491.70000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $103.82 | $2491.70 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $303361.95 | 6.875% | $2010.20 | $2204.72 | 2025-01-06 | 2026-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,204.72 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,010.20. The current UPB reflected as per the payment history is $303,361.95. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2200.72 | $0.00 | $2305.23 | $2305.23 | $2305.23 | $4509.95 | $2204.72 | $2204.72 | $2204.72 | $2204.72 | $0.00 | 0000011110 | 0111100000 | 2026-01-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2200.72000<br> $0.00000<br> $2305.23000<br> $2305.23000<br> $2305.23000<br> $4509.95000<br> $2204.72000<br> $2204.72000<br> $2204.72000<br> $2204.72000<br> $0.00000 | 42.400% | 66.700% | 100.800% | 84.800% | $935.22 | $22445.24 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $216411.18 | 6.990% | $1545.27 | $1545.27 | 2026-01-08 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,545.27 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,545.27 with an interest rate of 6.990%. The current UPB is $216,411.18. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4090.54 | $0.00 | $4090.54 | $2045.27 | $2045.27 | $2245.27 | $2295.27 | $0.00 | $2545.27 | $3045.27 | $0.00 | $3045.27 | $3045.27 | $3045.27 | $0.00 | 00000000000000 | 00000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4090.54000<br> $0.00000<br> $4090.54000<br> $2045.27000<br> $2045.27000<br> $2245.27000<br> $2295.27000<br> $0.00000<br> $2545.27000<br> $3045.27000<br> $0.00000<br> $3045.27000<br> $3045.27000<br> $3045.27000<br> $0.00000 | 85.000% | 131.400% | 131.400% | 126.000% | $1314.10 | $31538.51 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $359682.44 | 6.625% | $2307.17 | $2659.89 | 2026-01-06 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,659.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,307.17 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $359,682.44. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2659.89 | $2659.89 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-11-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2659.89000<br> $2659.89000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $221.66 | $5319.78 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $378393.48 | 6.125% | $2333.22 | $2783.49 | 2025-11-10 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,783.49 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,333.22 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $378,393.48. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2783.49 | $2783.49 | $2783.49 | $2783.49 | $2783.49 | $2783.49 | $2783.49 | $2783.49 | $2783.49 | $2783.49 | $2783.49 | $3783.49 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-11-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2783.49000<br> $2783.49000<br> $2783.49000<br> $2783.49000<br> $2783.49000<br> $2783.49000<br> $2783.49000<br> $2783.49000<br> $2783.49000<br> $2783.49000<br> $2783.49000<br> $3783.49000<br> $0.00000<br> $0.00000<br> $0.00000 | 51.500% | 0.000% | 56.000% | 78.000% | $1433.41 | $34401.88 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $479606.55 | 7.000% | $3193.45 | $3193.45 | 2025-11-18 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,193.45 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,193.45 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $479,606.55. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3193.45 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-11-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3193.45000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $133.06 | $3193.45 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $1322275.30 | 8.250% | $10085.00 | $13451.13 | 2025-12-22 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $13,451.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $10,085.00 with an interest rate of 8.250%. The current UPB reflected as per the payment history is $1,322,275.30.<br>| $0.00 | $13451.13 | $13451.13 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $121860.75 | $0.00 | $13451.13 | $13451.13 | $13451.13 | $13451.13 | $13451.13 | $13451.13 | $13451.13 | $13451.13 | $13451.13 | $13451.13 | $0.00 | $0.00 | 000000000000444432100 | 001234444000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $13451.13000<br> $13451.13000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $121860.75000<br> $0.00000<br> $13451.13000<br> $13451.13000<br> $13451.13000<br> $13451.13000<br> $13451.13000<br> $13451.13000<br> $13451.13000<br> $13451.13000<br> $13451.13000<br> $13451.13000<br> $0.00000<br> $0.00000 | 87.700% | 33.300% | 66.700% | 83.300% | $11803.10 | $283274.31 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $507280.61 | 7.750% | $3639.37 | $4359.50 | 2025-11-25 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,359.50 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,639.37 with an interest rate of 7.750%. The current UPB reflected as per the payment history is $507,280.61. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4359.50 | $4359.50 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4359.50000<br> $4359.50000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $363.29 | $8719.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $49731.75 | 8.875% | $503.42 | $503.42 | 2025-11-17 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $503.42, which was applied for the due date of xx/xx/2025. The current xxis $503.42 with an interest rate of 8.875%. The current UPB reflected as per the payment history is $49,731.75. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $503.42 | $503.42 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-11-17 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $503.42000<br> $503.42000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $41.95 | $1006.84 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $209670.79 | 6.375% | $1325.72 | $1806.23 | 2025-11-19 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,806.23 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,325.72 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $209,670.79. As per the comment dated xx/xx/2025, the payments made in the month of January 2025 are BWR payments. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $175.00 | $0.00 | $5185.71 | $1728.57 | $1728.57 | $1728.57 | $1728.57 | $1806.23 | $1806.23 | $1806.23 | $1806.23 | $1806.23 | $1806.23 | $0.00 | $0.00 | $0.00 | 0000000000021 | 1200000000000 | 2025-11-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $175.00000<br> $0.00000<br> $5185.71000<br> $1728.57000<br> $1728.57000<br> $1728.57000<br> $1728.57000<br> $1806.23000<br> $1806.23000<br> $1806.23000<br> $1806.23000<br> $1806.23000<br> $1806.23000<br> $0.00000<br> $0.00000<br> $0.00000 | 53.300% | 0.000% | 50.000% | 73.900% | $963.02 | $23112.37 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $307435.18 | 7.375% | $2457.74 | $2666.10 | 2025-11-26 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,666.10 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,457.74 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $307,435.18. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2666.10 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-11-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2666.10000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $111.09 | $2666.10 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $1029891.87 | 9.375% | $8650.19 | $10816.29 | 2025-12-12 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $10,816.29 (xx), which was applied for the due date of xx/xx/2025. The current xxis $8,650.19 with an interest rate of 9.375%. The current UPB reflected as per the payment history is $1,029,891.87. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $10809.79 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $151363.06 | $21632.58 | $0.00 | $0.00 | 01444444444443321M | M12334444444444410 | 2025-12-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $10809.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $151363.06000<br> $21632.58000<br> $0.00000<br> $0.00000 | 70.800% | 66.700% | 266.600% | 133.300% | $7658.56 | $183805.43 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $300665.56 | 6.125% | $1847.14 | $2527.96 | 2025-12-19 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,527.96 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,847.14 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $300,665.56. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2526.96 | $2526.96 | $2526.96 | $2526.96 | $2526.96 | $0.00 | $5053.92 | $2527.96 | $2527.96 | $2527.96 | $0.00 | $2527.96 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2526.96000<br> $2526.96000<br> $2526.96000<br> $2526.96000<br> $2526.96000<br> $0.00000<br> $5053.92000<br> $2527.96000<br> $2527.96000<br> $2527.96000<br> $0.00000<br> $2527.96000<br> $0.00000<br> $0.00000 | 45.800% | 33.300% | 50.000% | 75.000% | $1158.36 | $27800.56 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $170287.09 | 2.999% | $809.38 | $1271.89 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,271.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $809.38 with an interest rate of 2.999%. The current UPB reflected as per the payment history is $170,287.09. | $1277.89 | $1277.89 | $1277.89 | $1277.89 | $1277.89 | $1277.89 | $1277.89 | $0.00 | $2555.78 | $1277.89 | $1277.89 | $0.00 | $2543.78 | $1271.89 | $1271.89 | $1271.89 | $1271.89 | $1271.89 | $1271.89 | $1271.89 | $1271.89 | $1271.89 | $0.00 | $0.00 | 000000000010001000000000 | 000000000100010000000000 | 2025-12-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1277.89000<br> $1277.89000<br> $1277.89000<br> $1277.89000<br> $1277.89000<br> $1277.89000<br> $1277.89000<br> $0.00000<br> $2555.78000<br> $1277.89000<br> $1277.89000<br> $0.00000<br> $2543.78000<br> $1271.89000<br> $1271.89000<br> $1271.89000<br> $1271.89000<br> $1271.89000<br> $1271.89000<br> $1271.89000<br> $1271.89000<br> $1271.89000<br> $0.00000<br> $0.00000 | 91.900% | 33.300% | 66.700% | 91.700% | $1168.65 | $28047.58 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $730933.39 | 4.000% | $3738.16 | $5406.57 | 2025-11-14 | 2025-09-01 | 2 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,406.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,406.57 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $730,933.39. | $5260.24 | $5260.24 | $5260.24 | $5260.24 | $5260.24 | $5260.24 | $5260.24 | $5260.24 | $5260.24 | $5260.24 | $5260.24 | $5406.57 | $5406.57 | $5406.57 | $5406.57 | $5406.57 | $5406.57 | $5406.57 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 210000000000000000000000 | 000000000000000000000012 | 2025-08-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $5260.24000<br> $5260.24000<br> $5260.24000<br> $5260.24000<br> $5260.24000<br> $5260.24000<br> $5260.24000<br> $5260.24000<br> $5260.24000<br> $5260.24000<br> $5260.24000<br> $5406.57000<br> $5406.57000<br> $5406.57000<br> $5406.57000<br> $5406.57000<br> $5406.57000<br> $5406.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.800% | 0.000% | 0.000% | 50.000% | $3987.86 | $95708.63 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $1118500.00 | 7.125% | $6644.06 | $6644.06 | 2025-12-19 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $6,644.06, which was applied for the due date of xx/xx/2025. The current interest-only payment is $6,644.06 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $1,118,500.00.<br> Note has interest only period of 120 months. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6650.00 | $6650.00 | $0.00 | $13300.00 | $6650.00 | $6650.00 | $7150.00 | $7147.03 | $7144.06 | $0.00 | $0.00 | 000000100 | 001000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6650.00000<br> $6650.00000<br> $0.00000<br> $13300.00000<br> $6650.00000<br> $6650.00000<br> $7150.00000<br> $7147.03000<br> $7144.06000<br> $0.00000<br> $0.00000 | 38.500% | 35.800% | 70.500% | 76.900% | $2555.88 | $61341.09 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $264989.56 | 6.625% | $1580.51 | $2759.30 | 2025-12-15 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,759.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,580.51 with an interest rate of 6.625%. The current UPB is $264,989.56 and the deferred balance is $59,489.16. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4432.26 | $0.00 | $0.00 | $0.00 | $62057.20 | $2568.04 | $2604.97 | $2604.97 | $2604.97 | $2604.97 | $2604.97 | $2759.30 | $0.00 | $0.00 | 00000000444444444321MMMM | MMMM12344444444400000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4432.26000<br> $0.00000<br> $0.00000<br> $0.00000<br> $62057.20000<br> $2568.04000<br> $2604.97000<br> $2604.97000<br> $2604.97000<br> $2604.97000<br> $2604.97000<br> $2759.30000<br> $0.00000<br> $0.00000 | 128.100% | 33.300% | 63.900% | 242.800% | $3535.07 | $84841.65 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $328308.21 | 6.500% | $2291.88 | $3117.51 | 2025-12-17 | 2026-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,117.51 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,291.88 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $328,308.21. | $2889.59 | $2889.59 | $2889.59 | $2889.59 | $2889.59 | $2889.59 | $2889.59 | $3079.68 | $3079.68 | $3079.68 | $3079.68 | $3117.51 | $3117.51 | $3117.51 | $3117.51 | $3117.51 | $3117.51 | $3117.51 | $3117.51 | $3117.51 | $3117.51 | $3117.51 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2889.59000<br> $2889.59000<br> $2889.59000<br> $2889.59000<br> $2889.59000<br> $2889.59000<br> $2889.59000<br> $3079.68000<br> $3079.68000<br> $3079.68000<br> $3079.68000<br> $3117.51000<br> $3117.51000<br> $3117.51000<br> $3117.51000<br> $3117.51000<br> $3117.51000<br> $3117.51000<br> $3117.51000<br> $3117.51000<br> $3117.51000<br> $3117.51000<br> $0.00000<br> $0.00000 | 89.300% | 33.300% | 66.700% | 83.300% | $2784.94 | $66838.46 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $1117691.44 | 4.375% | $5958.79 | $7187.64 | 2025-11-14 | 2025-09-01 | 2 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,187.64 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,958.79 with an interest rate of 4.375%. The current UPB reflected as per the tape is $1,117,691.44. | $7195.49 | $7195.49 | $7200.00 | $7195.49 | $7200.00 | $7000.00 | $7200.00 | $6879.84 | $7000.00 | $7200.00 | $6879.84 | $7000.00 | $7000.00 | $7100.00 | $7000.00 | $7200.00 | $7300.00 | $7300.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 210000000000000000000000 | 000000000000000000000012 | 2025-08-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $7195.49000<br> $7195.49000<br> $7200.00000<br> $7195.49000<br> $7200.00000<br> $7000.00000<br> $7200.00000<br> $6879.84000<br> $7000.00000<br> $7200.00000<br> $6879.84000<br> $7000.00000<br> $7000.00000<br> $7100.00000<br> $7000.00000<br> $7200.00000<br> $7300.00000<br> $7300.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.200% | 0.000% | 0.000% | 49.700% | $5335.26 | $128046.15 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $781859.47 | 4.000% | $3991.53 | $4768.78 | 2025-11-14 | 2025-09-01 | 2 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,768.78 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,991.53 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $781,859.47. | $4793.53 | $4793.53 | $4793.53 | $4793.53 | $4793.53 | $4793.53 | $4768.78 | $4768.78 | $4768.78 | $4768.78 | $4768.78 | $4768.78 | $4768.78 | $4768.78 | $4768.78 | $4768.78 | $4768.78 | $4768.78 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 210000000000000000000000 | 000000000000000000000012 | 2025-08-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4793.53000<br> $4793.53000<br> $4793.53000<br> $4793.53000<br> $4793.53000<br> $4793.53000<br> $4768.78000<br> $4768.78000<br> $4768.78000<br> $4768.78000<br> $4768.78000<br> $4768.78000<br> $4768.78000<br> $4768.78000<br> $4768.78000<br> $4768.78000<br> $4768.78000<br> $4768.78000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.100% | 0.000% | 0.000% | 50.000% | $3582.77 | $85986.54 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $105918.06 | 6.500% | $1028.78 | $1400.67 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,400.67 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,028.78 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $105,918.06. | $1350.65 | $1350.65 | $1340.64 | $1340.64 | $1340.64 | $1340.64 | $1340.64 | $1340.64 | $1340.64 | $1340.64 | $1340.64 | $1340.64 | $1340.64 | $1340.64 | $1400.67 | $1400.67 | $1400.67 | $1400.67 | $1400.67 | $1400.67 | $1400.67 | $1400.67 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1350.65000<br> $1350.65000<br> $1340.64000<br> $1340.64000<br> $1340.64000<br> $1340.64000<br> $1340.64000<br> $1340.64000<br> $1340.64000<br> $1340.64000<br> $1340.64000<br> $1340.64000<br> $1340.64000<br> $1340.64000<br> $1400.67000<br> $1400.67000<br> $1400.67000<br> $1400.67000<br> $1400.67000<br> $1400.67000<br> $1400.67000<br> $1400.67000<br> $0.00000<br> $0.00000 | 89.200% | 33.300% | 66.700% | 82.600% | $1249.76 | $29994.34 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $465418.85 | 2.750% | $2094.28 | $3417.66 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,417.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,094.28 with an interest rate of 2.750%. The current UPB, reflected as per the payment history, is $465,418.85. | $3582.10 | $7164.20 | $0.00 | $7164.20 | $7164.20 | $0.00 | $3582.10 | $3582.10 | $3582.10 | $3853.71 | $3853.71 | $3853.71 | $3511.71 | $3511.71 | $3511.71 | $3511.71 | $3511.71 | $3511.71 | $3511.71 | $3417.66 | $3417.66 | $3417.66 | $0.00 | $0.00 | 000000000000000000010110 | 011010000000000000000000 | 2025-12-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3582.10000<br> $7164.20000<br> $0.00000<br> $7164.20000<br> $7164.20000<br> $0.00000<br> $3582.10000<br> $3582.10000<br> $3582.10000<br> $3853.71000<br> $3853.71000<br> $3853.71000<br> $3511.71000<br> $3511.71000<br> $3511.71000<br> $3511.71000<br> $3511.71000<br> $3511.71000<br> $3511.71000<br> $3417.66000<br> $3417.66000<br> $3417.66000<br> $0.00000<br> $0.00000 | 100.200% | 33.300% | 67.100% | 84.900% | $3425.71 | $82217.08 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $190269.77 | 9.125% | $1742.94 | $2064.71 | 2025-12-12 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,064.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,742.94 with an interest rate of 9.125%. The current UPB is $190,269.77.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4129.42 | $2064.71 | $2064.71 | $0.00 | $0.00 | 0001MM | MM1000 | 2025-12-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4129.42000<br> $2064.71000<br> $2064.71000<br> $0.00000<br> $0.00000 | 16.700% | 33.300% | 66.700% | 33.300% | $344.12 | $8258.84 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $236755.26 | 7.490% | $1660.06 | $2088.86 | 2025-12-19 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,088.86 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,660.06 with an interest rate of 7.490%. The current UPB reflected as per the payment history is $236,755.26. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2088.86 | $2088.86 | $2088.86 | $2088.86 | $0.00 | $0.00 | 0000M | M0000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2088.86000<br> $2088.86000<br> $2088.86000<br> $2088.86000<br> $0.00000<br> $0.00000 | 16.700% | 33.300% | 66.700% | 33.300% | $348.14 | $8355.44 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $336623.12 | 7.000% | $2258.57 | $2258.57 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,258.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,258.57 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $336,623.12. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2258.57 | $0.00 | $2258.57 | $2258.57 | $2258.57 | $2258.57 | $2258.57 | $2258.57 | $2258.57 | $2258.57 | $2258.57 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2258.57000<br> $0.00000<br> $2258.57000<br> $2258.57000<br> $2258.57000<br> $2258.57000<br> $2258.57000<br> $2258.57000<br> $2258.57000<br> $2258.57000<br> $2258.57000<br> $0.00000<br> $0.00000 | 41.700% | 33.300% | 66.700% | 75.000% | $941.07 | $22585.70 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $268119.54 | 2.750% | $2419.29 | $3324.54 | 2025-11-14 | 2025-09-01 | 2 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,324.54 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2419.29 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $268,119.54. | $3504.76 | $3504.76 | $3309.85 | $3309.85 | $3309.85 | $3309.85 | $3309.85 | $3309.85 | $3309.85 | $3309.85 | $3309.85 | $3309.85 | $3309.85 | $3309.85 | $3324.54 | $3324.54 | $3324.54 | $3324.54 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 210000000000000000000000 | 000000000000000000000012 | 2025-08-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3504.76000<br> $3504.76000<br> $3309.85000<br> $3309.85000<br> $3309.85000<br> $3309.85000<br> $3309.85000<br> $3309.85000<br> $3309.85000<br> $3309.85000<br> $3309.85000<br> $3309.85000<br> $3309.85000<br> $3309.85000<br> $3324.54000<br> $3324.54000<br> $3324.54000<br> $3324.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.200% | 0.000% | 0.000% | 49.900% | $2501.08 | $60025.88 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $854844.28 | 3.875% | $5922.75 | $6638.57 | 2025-11-14 | 2025-09-01 | 2 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,638.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,922.75 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $854,844.28. | $6434.45 | $6434.45 | $12868.90 | $0.00 | $6434.45 | $13481.26 | $6638.57 | $0.00 | $6638.57 | $13277.14 | $0.00 | $13277.14 | $0.00 | $6638.57 | $13277.14 | $0.00 | $6638.57 | $6638.57 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 210000000000000000000000 | 000000000000000000000012 | 2025-08-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $6434.45000<br> $6434.45000<br> $12868.90000<br> $0.00000<br> $6434.45000<br> $13481.26000<br> $6638.57000<br> $0.00000<br> $6638.57000<br> $13277.14000<br> $0.00000<br> $13277.14000<br> $0.00000<br> $6638.57000<br> $13277.14000<br> $0.00000<br> $6638.57000<br> $6638.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.500% | 0.000% | 0.000% | 41.700% | $4944.91 | $118677.78 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $714704.70 | 6.250% | $4460.87 | $4758.61 | 2025-12-05 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,758.61 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,460.87 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $714,704.70.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $14275.83 | $5358.61 | $5958.61 | $4758.61 | $0.00 | $5558.61 | $5558.61 | $4758.61 | $4758.61 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $14275.83000<br> $5358.61000<br> $5958.61000<br> $4758.61000<br> $0.00000<br> $5558.61000<br> $5558.61000<br> $4758.61000<br> $4758.61000<br> $0.00000<br> $0.00000 | 44.600% | 33.300% | 72.300% | 89.300% | $2124.42 | $50986.10 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $261493.57 | 2.875% | $1221.86 | $3562.50 | 2025-12-19 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,562.50 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,221.86 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $261,493.57. | $2641.94 | $2425.99 | $0.00 | $0.00 | $4851.98 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3054.45 | $7571.66 | $3785.83 | $0.00 | $7571.66 | $3785.83 | $0.00 | $3785.83 | $3562.50 | $0.00 | $0.00 | 000000000MMMMMMMMM210000 | 000012MMMMMMMMM000000000 | 2025-12-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2641.94000<br> $2425.99000<br> $0.00000<br> $0.00000<br> $4851.98000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3054.45000<br> $7571.66000<br> $3785.83000<br> $0.00000<br> $7571.66000<br> $3785.83000<br> $0.00000<br> $3785.83000<br> $3562.50000<br> $0.00000<br> $0.00000 | 50.300% | 33.300% | 52.100% | 77.500% | $1793.24 | $43037.67 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $254312.03 | 6.625% | $1644.80 | $1784.59 | 2025-11-14 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,784.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,644.80 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $254,312.03. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1784.59 | $1784.59 | $1784.59 | $1784.59 | $1784.59 | $1784.59 | $1784.59 | $1784.59 | $1784.59 | $1784.59 | $1784.59 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-10-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1784.59000<br> $1784.59000<br> $1784.59000<br> $1784.59000<br> $1784.59000<br> $1784.59000<br> $1784.59000<br> $1784.59000<br> $1784.59000<br> $1784.59000<br> $1784.59000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 33.300% | 66.700% | $817.94 | $19630.49 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $122897.83 | 3.250% | $581.63 | $1054.25 | 2025-12-18 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025 the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,054.25 (xx), which was applied for xx/xx/2025. The current xxis $581.63 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $122,897.83. | $1054.25 | $1054.25 | $0.00 | $0.00 | $2108.50 | $2108.50 | $1054.25 | $1054.25 | $1054.25 | $1054.25 | $0.00 | $1054.25 | $1054.25 | $1054.25 | $0.00 | $2108.50 | $1054.25 | $1054.25 | $2108.50 | $1054.25 | $1054.25 | $1054.25 | $0.00 | $0.00 | 000011121111000001210000 | 000012100000111121110000 | 2025-12-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1054.25000<br> $1054.25000<br> $0.00000<br> $0.00000<br> $2108.50000<br> $2108.50000<br> $1054.25000<br> $1054.25000<br> $1054.25000<br> $1054.25000<br> $0.00000<br> $1054.25000<br> $1054.25000<br> $1054.25000<br> $0.00000<br> $2108.50000<br> $1054.25000<br> $1054.25000<br> $2108.50000<br> $1054.25000<br> $1054.25000<br> $1054.25000<br> $0.00000<br> $0.00000 | 91.700% | 33.300% | 83.300% | 91.700% | $966.40 | $23193.50 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $794223.09 | 6.625% | $5122.49 | $7895.36 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $7,895.36 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,122.49 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $794,223.09. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7895.36 | $0.00 | $15790.72 | $7895.36 | $7895.36 | $7895.36 | $7895.36 | $7895.36 | $0.00 | $0.00 | 00000010 | 01000000 | 2025-12-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7895.36000<br> $0.00000<br> $15790.72000<br> $7895.36000<br> $7895.36000<br> $7895.36000<br> $7895.36000<br> $7895.36000<br> $0.00000<br> $0.00000 | 33.300% | 33.300% | 66.700% | 66.700% | $2631.79 | $63162.88 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $293148.43 | 5.500% | $1689.17 | $2165.15 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,165.15 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,689.17 with an interest rate of 5.500%. The current UPB is $293,148.43. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2137.34 | $2137.34 | $2137.34 | $2137.34 | $2137.34 | $2137.34 | $2137.34 | $2137.34 | $2137.34 | $2137.34 | $2137.34 | $2137.34 | $2165.15 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2137.34000<br> $2137.34000<br> $2137.34000<br> $2137.34000<br> $2137.34000<br> $2137.34000<br> $2137.34000<br> $2137.34000<br> $2137.34000<br> $2137.34000<br> $2137.34000<br> $2137.34000<br> $2165.15000<br> $0.00000<br> $0.00000 | 53.500% | 33.300% | 66.000% | 82.400% | $1158.88 | $27813.23 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $602517.09 | 3.375% | $2939.94 | $3870.08 | 2025-11-14 | 2025-10-01 | 1 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,870.08 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,939.94 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $602,517.09. | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 100000000000000000000000 | 000000000000000000000001 | 2025-07-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.200% | 0.000% | 0.000% | 43.100% | $2833.33 | $68000.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $235596.04 | 2.875% | $1099.47 | $2117.21 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2117.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,099.47 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $235,596.04. | $2120.20 | $2120.20 | $2120.20 | $2120.20 | $2120.20 | $2120.20 | $2120.20 | $2120.20 | $0.00 | $4240.40 | $2120.20 | $0.00 | $4234.42 | $2117.21 | $2117.21 | $2117.21 | $2117.21 | $2117.21 | $2502.00 | $2117.21 | $2117.21 | $2117.21 | $0.00 | $0.00 | 000000000010010000000000 | 000000000010010000000000 | 2025-12-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2120.20000<br> $2120.20000<br> $2120.20000<br> $2120.20000<br> $2120.20000<br> $2120.20000<br> $2120.20000<br> $2120.20000<br> $0.00000<br> $4240.40000<br> $2120.20000<br> $0.00000<br> $4234.42000<br> $2117.21000<br> $2117.21000<br> $2117.21000<br> $2117.21000<br> $2117.21000<br> $2502.00000<br> $2117.21000<br> $2117.21000<br> $2117.21000<br> $0.00000<br> $0.00000 | 92.500% | 33.300% | 69.700% | 93.200% | $1958.18 | $46996.30 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $451775.75 | 6.500% | $2882.23 | $3669.98 | 2025-12-19 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,669.98 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,882.23 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $451,775.75. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3669.98 | $3669.98 | $3669.98 | $3669.98 | $3669.98 | $3669.98 | $3669.98 | $3669.98 | $3669.98 | $3669.98 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3669.98000<br> $3669.98000<br> $3669.98000<br> $3669.98000<br> $3669.98000<br> $3669.98000<br> $3669.98000<br> $3669.98000<br> $3669.98000<br> $3669.98000<br> $0.00000<br> $0.00000 | 41.700% | 33.300% | 66.700% | 83.300% | $1529.16 | $36699.80 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $207545.23 | 5.625% | $1284.29 | $1724.61 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received onxx/xx/2025 in the amount of $1,724.61 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,284.29 with an interest rate of 5.625%. The current UPB reflected as per the payment history is $207,545.23. | $1998.14 | $1998.14 | $1998.14 | $1998.14 | $1998.14 | $1998.14 | $1998.14 | $1998.14 | $1998.14 | $1998.14 | $1998.14 | $2016.28 | $1816.28 | $1816.28 | $1816.28 | $1816.28 | $1816.28 | $1816.28 | $1816.28 | $1816.28 | $1724.61 | $1724.61 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1998.14000<br> $1998.14000<br> $1998.14000<br> $1998.14000<br> $1998.14000<br> $1998.14000<br> $1998.14000<br> $1998.14000<br> $1998.14000<br> $1998.14000<br> $1998.14000<br> $2016.28000<br> $1816.28000<br> $1816.28000<br> $1816.28000<br> $1816.28000<br> $1816.28000<br> $1816.28000<br> $1816.28000<br> $1816.28000<br> $1724.61000<br> $1724.61000<br> $0.00000<br> $0.00000 | 101.400% | 33.300% | 68.400% | 86.900% | $1748.97 | $41975.28 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $1091150.05 | 3.750% | $5441.61 | $6229.31 | 2025-11-14 | 2025-09-01 | 2 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,229.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,441.61 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $1,091,150.05. | $6085.92 | $6085.92 | $6085.92 | $6085.92 | $6085.92 | $6085.92 | $6085.92 | $6085.92 | $6585.92 | $6085.92 | $7229.31 | $7229.31 | $0.00 | $13458.62 | $7229.31 | $0.00 | $14458.62 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 210000000000000000000000 | 000000000000000000000012 | 2025-07-28 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $6085.92000<br> $6085.92000<br> $6085.92000<br> $6085.92000<br> $6085.92000<br> $6085.92000<br> $6085.92000<br> $6085.92000<br> $6585.92000<br> $6085.92000<br> $7229.31000<br> $7229.31000<br> $0.00000<br> $13458.62000<br> $7229.31000<br> $0.00000<br> $14458.62000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.200% | 0.000% | 0.000% | 47.000% | $4623.52 | $110964.37 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $259693.04 | 2.625% | $1265.20 | $2603.17 | 2025-12-09 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,603.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,265.20 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $259,693.04. | $2750.00 | $2750.00 | $5500.00 | $0.00 | $2750.00 | $5500.00 | $0.00 | $2750.00 | $5500.00 | $2750.00 | $2750.00 | $0.00 | $2800.00 | $2800.00 | $2800.00 | $2800.00 | $5600.00 | $0.00 | $5600.00 | $0.00 | $0.00 | $5600.00 | $0.00 | $0.00 | 010000000000000000000000 | 000000000000000000000010 | 2025-12-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2750.00000<br> $2750.00000<br> $5500.00000<br> $0.00000<br> $2750.00000<br> $5500.00000<br> $0.00000<br> $2750.00000<br> $5500.00000<br> $2750.00000<br> $2750.00000<br> $0.00000<br> $2800.00000<br> $2800.00000<br> $2800.00000<br> $2800.00000<br> $5600.00000<br> $0.00000<br> $5600.00000<br> $0.00000<br> $0.00000<br> $5600.00000<br> $0.00000<br> $0.00000 | 97.600% | 71.700% | 71.700% | 89.600% | $2541.67 | $61000.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $422734.67 | 2.875% | $1954.14 | $2493.87 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,493.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,954.14 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $422,734.67. | $3118.80 | $3118.80 | $3118.80 | $2487.92 | $2487.92 | $2487.92 | $2487.92 | $2487.92 | $2487.92 | $2487.92 | $2487.92 | $2487.92 | $2487.92 | $2487.92 | $2487.92 | $2493.87 | $2493.87 | $2493.87 | $2493.87 | $2493.87 | $2493.87 | $2493.87 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3118.80000<br> $3118.80000<br> $3118.80000<br> $2487.92000<br> $2487.92000<br> $2487.92000<br> $2487.92000<br> $2487.92000<br> $2487.92000<br> $2487.92000<br> $2487.92000<br> $2487.92000<br> $2487.92000<br> $2487.92000<br> $2487.92000<br> $2493.87000<br> $2493.87000<br> $2493.87000<br> $2493.87000<br> $2493.87000<br> $2493.87000<br> $2493.87000<br> $0.00000<br> $0.00000 | 94.700% | 33.300% | 66.700% | 83.300% | $2361.19 | $56668.53 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $373549.57 | 2.250% | $1691.44 | $2699.38 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,699.38 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,691.44 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $373,549.57.<br>| $2829.47 | $2829.47 | $5658.94 | $0.00 | $2829.47 | $5658.94 | $0.00 | $2829.47 | $5658.94 | $2829.47 | $2829.47 | $0.00 | $2829.47 | $2829.47 | $2829.47 | $2829.47 | $2829.47 | $2900.38 | $2900.38 | $2900.38 | $2900.38 | $2900.38 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2829.47000<br> $2829.47000<br> $5658.94000<br> $0.00000<br> $2829.47000<br> $5658.94000<br> $0.00000<br> $2829.47000<br> $5658.94000<br> $2829.47000<br> $2829.47000<br> $0.00000<br> $2829.47000<br> $2829.47000<br> $2829.47000<br> $2829.47000<br> $2829.47000<br> $2900.38000<br> $2900.38000<br> $2900.38000<br> $2900.38000<br> $2900.38000<br> $0.00000<br> $0.00000 | 96.600% | 35.800% | 71.600% | 88.400% | $2608.45 | $62602.89 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $472118.39 | 5.875% | $2834.53 | $3468.00 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,468.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,834.53 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $472,118.39. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3468.00 | $3468.00 | $3468.00 | $3468.00 | $3468.00 | $3468.00 | $3468.00 | $3468.00 | $3468.00 | $3468.00 | $3468.00 | $3468.00 | $3468.00 | $3468.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-12-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3468.00000<br> $3468.00000<br> $3468.00000<br> $3468.00000<br> $3468.00000<br> $3468.00000<br> $3468.00000<br> $3468.00000<br> $3468.00000<br> $3468.00000<br> $3468.00000<br> $3468.00000<br> $3468.00000<br> $3468.00000<br> $0.00000<br> $0.00000 | 58.300% | 33.300% | 66.700% | 83.300% | $2023.00 | $48552.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $229960.39 | 2.500% | $1038.73 | $1514.82 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,514.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,038.73 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $229,960.39. | $1523.76 | $1544.23 | $1544.23 | $1544.23 | $1544.23 | $1544.23 | $1544.23 | $1544.23 | $1544.23 | $1544.23 | $1544.23 | $1544.23 | $1544.23 | $1731.72 | $1731.72 | $1731.72 | $1731.72 | $1731.72 | $1731.72 | $1514.82 | $1514.82 | $1514.82 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1523.76000<br> $1544.23000<br> $1544.23000<br> $1544.23000<br> $1544.23000<br> $1544.23000<br> $1544.23000<br> $1544.23000<br> $1544.23000<br> $1544.23000<br> $1544.23000<br> $1544.23000<br> $1544.23000<br> $1731.72000<br> $1731.72000<br> $1731.72000<br> $1731.72000<br> $1731.72000<br> $1731.72000<br> $1514.82000<br> $1514.82000<br> $1514.82000<br> $0.00000<br> $0.00000 | 96.200% | 33.300% | 69.100% | 90.700% | $1457.89 | $34989.30 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $657891.77 | 3.000% | $3082.23 | $4312.23 | 2025-11-14 | 2025-09-01 | 2 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,312.23 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,082.23 with an interest rate of 3.00%. The current UPB reflected as per the payment history is $657,891.77. | $4255.33 | $4155.33 | $4188.91 | $4188.91 | $4188.91 | $4288.91 | $4188.91 | $4188.91 | $4188.91 | $4188.91 | $4188.91 | $4188.91 | $4188.91 | $4188.91 | $4312.23 | $4312.23 | $4312.23 | $4312.23 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 210000000000000000000000 | 000000000000000000000012 | 2025-08-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4255.33000<br> $4155.33000<br> $4188.91000<br> $4188.91000<br> $4188.91000<br> $4288.91000<br> $4188.91000<br> $4188.91000<br> $4188.91000<br> $4188.91000<br> $4188.91000<br> $4188.91000<br> $4188.91000<br> $4188.91000<br> $4312.23000<br> $4312.23000<br> $4312.23000<br> $4312.23000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.500% | 0.000% | 0.000% | 49.500% | $3167.77 | $76026.50 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $112403.88 | 2.625% | $1021.65 | $1682.44 | 2025-11-14 | 2025-10-01 | 1 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,682.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,021.65 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $112,403.88. | $1739.74 | $1739.74 | $1739.74 | $1739.74 | $1739.74 | $1739.74 | $1739.74 | $1739.74 | $1739.74 | $1739.74 | $1739.74 | $1682.44 | $1682.44 | $1682.44 | $1682.44 | $1682.44 | $1682.44 | $1682.44 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 100000000000000000000000 | 000000000000000000000001 | 2025-08-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1739.74000<br> $1739.74000<br> $1739.74000<br> $1739.74000<br> $1739.74000<br> $1739.74000<br> $1739.74000<br> $1739.74000<br> $1739.74000<br> $1739.74000<br> $1739.74000<br> $1682.44000<br> $1682.44000<br> $1682.44000<br> $1682.44000<br> $1682.44000<br> $1682.44000<br> $1682.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.600% | 0.000% | 0.000% | 50.000% | $1288.09 | $30914.22 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $304915.48 | 5.750% | $1860.14 | $2541.82 | 2025-12-19 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,541.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,860.14 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $304,915.48. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2541.82 | $0.00 | $0.00 | 0MMMMMMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMMMMMM0 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2541.82000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $105.91 | $2541.82 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $139111.67 | 2.750% | $1323.31 | $1654.92 | 2025-11-14 | 2025-09-01 | 2 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,654.92 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,323.31 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $139,111.67.<br>| $1825.30 | $1825.30 | $1825.30 | $1825.30 | $1825.30 | $1825.30 | $1825.30 | $1825.30 | $1825.30 | $1754.92 | $1754.92 | $1754.92 | $1754.92 | $1754.92 | $1754.92 | $1754.92 | $1754.92 | $1754.92 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 210000000000000000000000 | 000000000000000000000012 | 2025-08-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1825.30000<br> $1825.30000<br> $1825.30000<br> $1825.30000<br> $1825.30000<br> $1825.30000<br> $1825.30000<br> $1825.30000<br> $1825.30000<br> $1754.92000<br> $1754.92000<br> $1754.92000<br> $1754.92000<br> $1754.92000<br> $1754.92000<br> $1754.92000<br> $1754.92000<br> $1754.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.100% | 0.000% | 0.000% | 53.000% | $1342.58 | $32221.98 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $282132.60 | 5.875% | $1697.65 | $2149.41 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,149.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,697.65 with an interest rate of 5.875%. The current UPB is $282,132.60. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2149.41 | $2149.41 | $2149.41 | $2149.41 | $2149.41 | $2149.41 | $2149.41 | $2149.41 | $2149.41 | $2149.41 | $2149.41 | $2149.41 | $2149.41 | $2149.41 | $2149.41 | $2149.41 | $0.00 | $0.00 | 0000000000000000 | 0000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $2149.41000<br> $0.00000<br> $0.00000 | 66.700% | 33.300% | 66.700% | 83.300% | $1432.94 | $34390.56 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $327066.58 | 3.125% | $1542.16 | $1542.16 | 2025-12-08 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,542.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,542.16 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $327,066.58. | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $1542.16 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $1542.16000<br> $0.00000<br> $0.00000 | 91.700% | 33.300% | 66.700% | 83.300% | $1413.65 | $33927.52 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $225693.11 | 5.875% | $1352.05 | $1881.96 | 2025-12-15 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,881.96 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,352.05 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $225,693.11. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1881.96 | $1881.96 | $1881.96 | $1881.96 | $1881.96 | $1881.96 | $1881.96 | $1881.96 | $1881.96 | $1881.96 | $1881.96 | $1881.96 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1881.96000<br> $1881.96000<br> $1881.96000<br> $1881.96000<br> $1881.96000<br> $1881.96000<br> $1881.96000<br> $1881.96000<br> $1881.96000<br> $1881.96000<br> $1881.96000<br> $1881.96000<br> $0.00000<br> $0.00000 | 50.000% | 33.300% | 66.700% | 83.300% | $940.98 | $22583.52 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $287774.61 | 3.375% | $1370.50 | $2475.14 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,475.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,370.50 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $287,774.61. | $1530.58 | $1530.58 | $1530.58 | $1530.58 | $1530.58 | $1530.58 | $1530.58 | $3276.60 | $2565.04 | $2565.04 | $2565.04 | $2565.04 | $2565.04 | $2565.04 | $2565.04 | $2565.04 | $2565.04 | $2565.04 | $2565.04 | $2475.14 | $2475.14 | $2475.14 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1530.58000<br> $1530.58000<br> $1530.58000<br> $1530.58000<br> $1530.58000<br> $1530.58000<br> $1530.58000<br> $3276.60000<br> $2565.04000<br> $2565.04000<br> $2565.04000<br> $2565.04000<br> $2565.04000<br> $2565.04000<br> $2565.04000<br> $2565.04000<br> $2565.04000<br> $2565.04000<br> $2565.04000<br> $2475.14000<br> $2475.14000<br> $2475.14000<br> $0.00000<br> $0.00000 | 83.600% | 33.300% | 67.300% | 85.500% | $2067.98 | $49631.52 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $157593.34 | 3.625% | $779.85 | $1300.08 | 2025-12-18 | 2025-09-01 | 3 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1300.08 (xx), which was applied for the due date of xx/xx/2025. The current xxis $779.85 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $157,593.34. | $0.00 | $1269.64 | $1269.64 | $1269.64 | $1269.64 | $1269.64 | $1269.64 | $0.00 | $1269.64 | $1300.08 | $0.00 | $5328.98 | $1300.00 | $1300.08 | $0.00 | $0.00 | $0.00 | $2600.16 | $0.00 | $1300.08 | $1300.08 | $0.00 | $0.00 | $0.00 | 333232100032221111111000 | 000111111122230001232333 | 2025-11-26 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $1269.64000<br> $1269.64000<br> $1269.64000<br> $1269.64000<br> $1269.64000<br> $1269.64000<br> $0.00000<br> $1269.64000<br> $1300.08000<br> $0.00000<br> $5328.98000<br> $1300.00000<br> $1300.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2600.16000<br> $0.00000<br> $1300.08000<br> $1300.08000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.700% | 0.000% | 33.300% | 50.000% | $971.54 | $23316.94 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $179532.22 | 7.125% | $1239.64 | $1753.43 | 2025-12-31 | 2026-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,753.43 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,239.64 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $179,532.22. | $1586.47 | $1586.47 | $1586.47 | $1586.47 | $1586.47 | $1586.47 | $0.00 | $3172.94 | $1586.47 | $1586.47 | $3226.06 | $0.00 | $1613.03 | $1613.03 | $3226.06 | $0.00 | $1613.03 | $1613.03 | $1613.03 | $3226.06 | $0.00 | $3506.86 | $0.00 | $0.00 | 000000000000000100000000 | 000000001000000000000000 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1586.47000<br> $1586.47000<br> $1586.47000<br> $1586.47000<br> $1586.47000<br> $1586.47000<br> $0.00000<br> $3172.94000<br> $1586.47000<br> $1586.47000<br> $3226.06000<br> $0.00000<br> $1613.03000<br> $1613.03000<br> $3226.06000<br> $0.00000<br> $1613.03000<br> $1613.03000<br> $1613.03000<br> $3226.06000<br> $0.00000<br> $3506.86000<br> $0.00000<br> $0.00000 | 88.200% | 66.700% | 79.300% | 85.700% | $1546.45 | $37114.89 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $615043.03 | 4.250% | $3183.83 | $4846.03 | 2025-11-14 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,846.03 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,183.83 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $615,043.03. | $4668.69 | $4668.69 | $4668.69 | $4668.69 | $4668.69 | $4668.69 | $4668.69 | $4668.69 | $4668.69 | $9692.06 | $4846.03 | $0.00 | $4846.03 | $4846.03 | $4846.03 | $4846.03 | $4846.03 | $4846.03 | $4846.03 | $4846.03 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4668.69000<br> $4668.69000<br> $4668.69000<br> $4668.69000<br> $4668.69000<br> $4668.69000<br> $4668.69000<br> $4668.69000<br> $4668.69000<br> $9692.06000<br> $4846.03000<br> $0.00000<br> $4846.03000<br> $4846.03000<br> $4846.03000<br> $4846.03000<br> $4846.03000<br> $4846.03000<br> $4846.03000<br> $4846.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.000% | 0.000% | 33.300% | 66.700% | $3971.86 | $95324.54 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $203157.40 | 3.250% | $971.60 | $1300.27 | 2025-12-02 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,300.27 (xx), which was applied for the due date of xx/xx/2025. The current xxis $971.60 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $203,157.40. | $2578.34 | $1309.17 | $1289.17 | $1289.17 | $0.00 | $2578.34 | $0.00 | $1289.17 | $1289.17 | $1289.17 | $1289.17 | $1289.17 | $1300.27 | $1300.27 | $2620.54 | $0.00 | $1300.27 | $1300.27 | $1300.27 | $2600.54 | $0.00 | $1300.27 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2578.34000<br> $1309.17000<br> $1289.17000<br> $1289.17000<br> $0.00000<br> $2578.34000<br> $0.00000<br> $1289.17000<br> $1289.17000<br> $1289.17000<br> $1289.17000<br> $1289.17000<br> $1300.27000<br> $1300.27000<br> $2620.54000<br> $0.00000<br> $1300.27000<br> $1300.27000<br> $1300.27000<br> $2600.54000<br> $0.00000<br> $1300.27000<br> $0.00000<br> $0.00000 | 91.400% | 33.300% | 66.700% | 83.500% | $1188.03 | $28512.74 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $551508.85 | 2.375% | $2514.31 | $3241.04 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,241.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,514.31 with an interest rate of 2.375%. The current UPB, reflected as per the payment history, is $551,508.85.<br>| $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $0.00000<br> $0.00000 | 93.300% | 33.900% | 67.900% | 84.800% | $3025.00 | $72600.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $387430.68 | 2.750% | $1814.63 | $2719.87 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2719.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1814.63 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $387,430.68. | $2690.10 | $2690.10 | $2690.10 | $2690.10 | $2722.13 | $2722.13 | $2722.13 | $2722.13 | $2722.13 | $2722.13 | $2722.13 | $2722.13 | $2719.87 | $2719.87 | $2719.87 | $2719.87 | $2719.87 | $2719.87 | $2719.87 | $2719.87 | $2719.87 | $2719.87 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2690.10000<br> $2690.10000<br> $2690.10000<br> $2690.10000<br> $2722.13000<br> $2722.13000<br> $2722.13000<br> $2722.13000<br> $2722.13000<br> $2722.13000<br> $2722.13000<br> $2722.13000<br> $2719.87000<br> $2719.87000<br> $2719.87000<br> $2719.87000<br> $2719.87000<br> $2719.87000<br> $2719.87000<br> $2719.87000<br> $2719.87000<br> $2719.87000<br> $0.00000<br> $0.00000 | 91.500% | 33.300% | 66.700% | 83.300% | $2489.01 | $59736.14 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $315397.33 | 3.000% | $1469.59 | $1950.43 | 2025-12-05 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,950.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,469.59 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $315,397.33. | $0.00 | $3884.42 | $1942.21 | $1942.21 | $2011.01 | $2011.01 | $2011.01 | $2011.01 | $2011.01 | $2011.01 | $2011.01 | $2011.01 | $2011.01 | $2011.01 | $2011.01 | $2011.01 | $1950.43 | $1950.43 | $1950.43 | $1950.43 | $1950.43 | $1950.43 | $0.00 | $0.00 | 000000000000000000000100 | 001000000000000000000000 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $3884.42000<br> $1942.21000<br> $1942.21000<br> $2011.01000<br> $2011.01000<br> $2011.01000<br> $2011.01000<br> $2011.01000<br> $2011.01000<br> $2011.01000<br> $2011.01000<br> $2011.01000<br> $2011.01000<br> $2011.01000<br> $2011.01000<br> $1950.43000<br> $1950.43000<br> $1950.43000<br> $1950.43000<br> $1950.43000<br> $1950.43000<br> $0.00000<br> $0.00000 | 93.100% | 33.300% | 66.700% | 84.400% | $1816.81 | $43603.54 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $87612.45 | 3.500% | $440.06 | $821.84 | 2025-12-11 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $821.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $440.06 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $87,612.45. | $726.54 | $726.54 | $726.54 | $726.54 | $726.54 | $726.54 | $726.54 | $726.54 | $726.54 | $751.95 | $751.95 | $751.95 | $751.95 | $751.95 | $800.00 | $751.95 | $751.95 | $751.95 | $751.95 | $821.84 | $821.84 | $821.84 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $726.54000<br> $726.54000<br> $726.54000<br> $726.54000<br> $726.54000<br> $726.54000<br> $726.54000<br> $726.54000<br> $726.54000<br> $751.95000<br> $751.95000<br> $751.95000<br> $751.95000<br> $751.95000<br> $800.00000<br> $751.95000<br> $751.95000<br> $751.95000<br> $751.95000<br> $821.84000<br> $821.84000<br> $821.84000<br> $0.00000<br> $0.00000 | 84.000% | 33.300% | 65.200% | 78.900% | $690.50 | $16571.93 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $106525.75 | 5.875% | $638.86 | $973.05 | 2025-12-19 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $973.05 (xx), which was applied for the due date of xx/xx/2025. The current xxis $638.86 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $106,525.75. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $859.53 | $859.53 | $859.53 | $859.53 | $859.53 | $859.53 | $859.53 | $859.53 | $973.05 | $973.05 | $973.05 | $973.05 | $0.00 | $973.05 | $0.00 | $0.00 | 1000000000000 | 0000000000001 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $859.53000<br> $859.53000<br> $859.53000<br> $859.53000<br> $859.53000<br> $859.53000<br> $859.53000<br> $859.53000<br> $973.05000<br> $973.05000<br> $973.05000<br> $973.05000<br> $0.00000<br> $973.05000<br> $0.00000<br> $0.00000 | 50.300% | 33.300% | 50.000% | 71.100% | $489.23 | $11741.49 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $357815.30 | 7.500% | $2517.17 | $3306.30 | 2025-12-19 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3306.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,517.17 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $357,815.30. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3306.30 | $3306.30 | $3306.30 | $3306.30 | $3306.30 | $6612.60 | $0.00 | $3306.30 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-12-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3306.30000<br> $3306.30000<br> $3306.30000<br> $3306.30000<br> $3306.30000<br> $6612.60000<br> $0.00000<br> $3306.30000<br> $0.00000<br> $0.00000 | 33.300% | 33.300% | 66.700% | 66.700% | $1102.10 | $26450.40 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $399086.73 | 7.500% | $2803.15 | $3676.70 | 2025-12-19 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,676.70 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,803.15 with an interest rate of 7.500%. The current UPB is $399,086.73. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3676.70 | $0.00 | $3676.70 | $3676.70 | $3676.70 | $3676.70 | $0.00 | $0.00 | 0000M0 | 0M0000 | 2025-12-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3676.70000<br> $0.00000<br> $3676.70000<br> $3676.70000<br> $3676.70000<br> $3676.70000<br> $0.00000<br> $0.00000 | 20.800% | 33.300% | 66.700% | 41.700% | $765.98 | $18383.50 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $453490.98 | 5.750% | $2698.75 | $3160.70 | 2025-12-19 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,160.70 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,698.75 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $453,490.98. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3348.97 | $3348.97 | $7056.39 | $3160.70 | $3160.70 | $3160.70 | $3160.70 | $3160.70 | $3160.70 | $3160.70 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-12-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3348.97000<br> $3348.97000<br> $7056.39000<br> $3160.70000<br> $3160.70000<br> $3160.70000<br> $3160.70000<br> $3160.70000<br> $3160.70000<br> $3160.70000<br> $0.00000<br> $0.00000 | 47.300% | 33.300% | 66.700% | 94.600% | $1494.97 | $35879.23 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $270651.42 | 6.875% | $1826.25 | $1826.25 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,826.25, which was applied for the due date of xx/xx/2025. The current xxis $1,826.25 with an interest rate of 6.875%. The current UPB is $270,651.42. | $2496.33 | $2496.33 | $2496.33 | $2496.33 | $2496.33 | $2496.33 | $2496.33 | $2496.33 | $2496.33 | $2496.33 | $2496.33 | $2496.33 | $2496.33 | $2496.33 | $102496.33 | $1826.25 | $1826.25 | $1826.25 | $1826.25 | $1826.25 | $1826.25 | $1826.25 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2496.33000<br> $2496.33000<br> $2496.33000<br> $2496.33000<br> $2496.33000<br> $2496.33000<br> $2496.33000<br> $2496.33000<br> $2496.33000<br> $2496.33000<br> $2496.33000<br> $2496.33000<br> $2496.33000<br> $2496.33000<br> $102496.33000<br> $1826.25000<br> $1826.25000<br> $1826.25000<br> $1826.25000<br> $1826.25000<br> $1826.25000<br> $1826.25000<br> $0.00000<br> $0.00000 | 342.800% | 33.300% | 66.700% | 548.800% | $6259.53 | $150228.70 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $614787.94 | 2.625% | $2775.41 | $3641.24 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,641.24 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,775.41 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $614,787.94. | $3925.00 | $3925.00 | $7850.00 | $0.00 | $3925.00 | $7850.00 | $0.00 | $3925.00 | $3925.00 | $3925.00 | $7850.00 | $0.00 | $3925.00 | $3925.00 | $3925.00 | $3925.00 | $3925.00 | $3925.00 | $3925.00 | $3925.00 | $3925.00 | $3925.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3925.00000<br> $3925.00000<br> $7850.00000<br> $0.00000<br> $3925.00000<br> $7850.00000<br> $0.00000<br> $3925.00000<br> $3925.00000<br> $3925.00000<br> $7850.00000<br> $0.00000<br> $3925.00000<br> $3925.00000<br> $3925.00000<br> $3925.00000<br> $3925.00000<br> $3925.00000<br> $3925.00000<br> $3925.00000<br> $3925.00000<br> $3925.00000<br> $0.00000<br> $0.00000 | 98.800% | 35.900% | 71.900% | 89.800% | $3597.92 | $86350.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $617074.55 | 5.750% | $3776.88 | $5063.36 | 2025-12-09 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $5,063.36 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,776.88 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $617,074.55. | $5389.71 | $5389.71 | $5389.71 | $5389.71 | $5389.71 | $5389.71 | $5389.71 | $10779.42 | $0.00 | $5422.47 | $5422.47 | $5422.47 | $5287.62 | $5703.62 | $5457.92 | $5585.29 | $5585.29 | $5063.36 | $5063.36 | $5063.36 | $5063.36 | $5063.36 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $5389.71000<br> $5389.71000<br> $5389.71000<br> $5389.71000<br> $5389.71000<br> $5389.71000<br> $5389.71000<br> $10779.42000<br> $0.00000<br> $5422.47000<br> $5422.47000<br> $5422.47000<br> $5287.62000<br> $5703.62000<br> $5457.92000<br> $5585.29000<br> $5585.29000<br> $5063.36000<br> $5063.36000<br> $5063.36000<br> $5063.36000<br> $5063.36000<br> $0.00000<br> $0.00000 | 96.900% | 33.300% | 66.700% | 87.100% | $4904.64 | $117711.34 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $103619.98 | 6.625% | $670.79 | $842.51 | 2025-11-14 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $842.51 (xx), which was applied for the due date of xx/xx/2025. The current xxis $670.79 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $103,619.98. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $855.51 | $842.51 | $842.51 | $0.00 | $1710.02 | $852.51 | $842.51 | $842.51 | $852.51 | $842.51 | $850.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-09-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $855.51000<br> $842.51000<br> $842.51000<br> $0.00000<br> $1710.02000<br> $852.51000<br> $842.51000<br> $842.51000<br> $852.51000<br> $842.51000<br> $850.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 46.200% | 0.000% | 16.800% | 67.200% | $388.88 | $9333.10 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $209119.45 | 5.375% | $1234.86 | $1343.39 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025 the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,343.39 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,234.86 with an interest rate of 5.375%. The current UPB reflected as per the payment history is $209,119.45. | $1534.30 | $3068.60 | $1534.30 | $0.00 | $1812.77 | $1812.77 | $2684.16 | $1342.08 | $1342.08 | $0.00 | $2684.16 | $0.00 | $1342.08 | $1342.08 | $1342.08 | $1342.08 | $1342.08 | $1342.08 | $1343.39 | $1400.00 | $1343.39 | $1343.39 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1534.30000<br> $3068.60000<br> $1534.30000<br> $0.00000<br> $1812.77000<br> $1812.77000<br> $2684.16000<br> $1342.08000<br> $1342.08000<br> $0.00000<br> $2684.16000<br> $0.00000<br> $1342.08000<br> $1342.08000<br> $1342.08000<br> $1342.08000<br> $1342.08000<br> $1342.08000<br> $1343.39000<br> $1400.00000<br> $1343.39000<br> $1343.39000<br> $0.00000<br> $0.00000 | 97.100% | 33.300% | 67.400% | 83.600% | $1304.08 | $31297.87 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $231627.06 | 2.625% | $1050.30 | $1425.57 | 2025-12-09 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,425.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,050.30 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $231,627.06. | $1304.07 | $1304.07 | $1304.07 | $1304.07 | $1304.07 | $1304.07 | $1304.07 | $1304.07 | $1346.49 | $1346.49 | $1346.49 | $1346.49 | $1346.49 | $1346.49 | $1346.49 | $1346.49 | $1346.49 | $1346.49 | $1346.49 | $1346.49 | $1425.57 | $1425.57 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1304.07000<br> $1304.07000<br> $1304.07000<br> $1304.07000<br> $1304.07000<br> $1304.07000<br> $1304.07000<br> $1304.07000<br> $1346.49000<br> $1346.49000<br> $1346.49000<br> $1346.49000<br> $1346.49000<br> $1346.49000<br> $1346.49000<br> $1346.49000<br> $1346.49000<br> $1346.49000<br> $1346.49000<br> $1346.49000<br> $1425.57000<br> $1425.57000<br> $0.00000<br> $0.00000 | 86.100% | 33.300% | 64.800% | 79.600% | $1226.73 | $29441.58 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $334066.76 | 2.750% | $1528.62 | $2258.11 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,258.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,528.62 with an interest rate of 2.75%. The current UPB reflected as per the payment history is $334,066.76. | $2390.98 | $2390.98 | $2390.98 | $2390.98 | $2107.02 | $2107.02 | $1889.58 | $1889.58 | $1889.58 | $1889.58 | $1889.58 | $0.00 | $3779.16 | $0.00 | $3779.16 | $1889.58 | $1889.58 | $1889.58 | $1889.58 | $2258.11 | $2258.11 | $2258.11 | $0.00 | $0.00 | 000000001010000000000000 | 000000000000010100000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2390.98000<br> $2390.98000<br> $2390.98000<br> $2390.98000<br> $2107.02000<br> $2107.02000<br> $1889.58000<br> $1889.58000<br> $1889.58000<br> $1889.58000<br> $1889.58000<br> $0.00000<br> $3779.16000<br> $0.00000<br> $3779.16000<br> $1889.58000<br> $1889.58000<br> $1889.58000<br> $1889.58000<br> $2258.11000<br> $2258.11000<br> $2258.11000<br> $0.00000<br> $0.00000 | 83.200% | 33.300% | 63.900% | 80.800% | $1879.87 | $45116.83 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $181116.92 | 2.375% | $1511.29 |  | 2025-11-14 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,511.29 with an interest rate of 2.375%. The current UPB reflected as per the tape is $181,116.92. | $2052.15 | $2052.15 | $2052.15 | $2052.15 | $2052.15 | $2052.15 | $2052.15 | $2052.15 | $2052.15 | $2052.15 | $2052.15 | $2052.15 | $2082.92 | $2082.92 | $2082.92 | $2082.92 | $2082.92 | $2082.92 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000000000000000 | 0000000000000000000000MM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2052.15000<br> $2052.15000<br> $2052.15000<br> $2052.15000<br> $2052.15000<br> $2052.15000<br> $2052.15000<br> $2052.15000<br> $2052.15000<br> $2052.15000<br> $2052.15000<br> $2052.15000<br> $2082.92000<br> $2082.92000<br> $2082.92000<br> $2082.92000<br> $2082.92000<br> $2082.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $1546.81 | $37123.32 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $158525.86 | 6.375% | $997.90 | $1445.52 | 2025-12-05 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,445.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $997.90 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $158,525.86. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1445.00 | $1445.00 | $1445.00 | $1401.01 | $1445.52 | $1500.00 | $1500.00 | $1500.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1445.00000<br> $1445.00000<br> $1445.00000<br> $1401.01000<br> $1445.52000<br> $1500.00000<br> $1500.00000<br> $1500.00000<br> $0.00000<br> $0.00000 | 33.700% | 34.600% | 68.600% | 67.300% | $486.73 | $11681.53 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $746143.31 | 7.375% | $4589.44 | $4589.44 | 2025-12-18 | 2026-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last interest-only payment was received on xx/xx/2025 in the amount of $4,589.44, which was applied for the due date of xx/xx/2026. The current interest-only payment is $4,589.44 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $746,143.31. This loan is in an interest-only period for 120 months. | $4609.37 | $4609.37 | $4609.37 | $4609.37 | $4609.37 | $4609.37 | $4609.37 | $4609.37 | $4609.37 | $4609.37 | $4609.37 | $4609.37 | $4609.37 | $4609.37 | $9218.74 | $0.00 | $4609.37 | $9183.28 | $4589.70 | $4589.57 | $9792.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4609.37000<br> $4609.37000<br> $4609.37000<br> $4609.37000<br> $4609.37000<br> $4609.37000<br> $4609.37000<br> $4609.37000<br> $4609.37000<br> $4609.37000<br> $4609.37000<br> $4609.37000<br> $4609.37000<br> $4609.37000<br> $9218.74000<br> $0.00000<br> $4609.37000<br> $9183.28000<br> $4589.70000<br> $4589.57000<br> $9792.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 96.700% | 0.000% | 68.900% | 93.000% | $4438.08 | $106513.84 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $83634.14 | 6.250% | $517.43 | $862.88 | 2025-12-19 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $862.88 (xx), which was applied for the due date of xx/xx/2025. The current xxis $517.43 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $83,634.14.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $862.88 | $1725.76 | $0.00 | $862.88 | $862.88 | $0.00 | $0.00 | 00000 | 00000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $862.88000<br> $1725.76000<br> $0.00000<br> $862.88000<br> $862.88000<br> $0.00000<br> $0.00000 | 20.800% | 33.300% | 66.700% | 41.700% | $179.77 | $4314.40 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $619136.18 | 6.125% | $6081.97 | $7581.00 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $7,581.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $6,081.97 with an interest rate of 6.125%. The current UPB is $619,136.18. | $7821.80 | $7821.80 | $7821.80 | $7821.80 | $7821.80 | $7821.80 | $7821.80 | $7821.80 | $7821.80 | $7821.80 | $7428.83 | $7498.18 | $7498.18 | $7498.18 | $7498.18 | $7498.18 | $7498.18 | $7498.18 | $7581.00 | $7581.00 | $7581.00 | $7581.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $7821.80000<br> $7821.80000<br> $7821.80000<br> $7821.80000<br> $7821.80000<br> $7821.80000<br> $7821.80000<br> $7821.80000<br> $7821.80000<br> $7821.80000<br> $7428.83000<br> $7498.18000<br> $7498.18000<br> $7498.18000<br> $7498.18000<br> $7498.18000<br> $7498.18000<br> $7498.18000<br> $7581.00000<br> $7581.00000<br> $7581.00000<br> $7581.00000<br> $0.00000<br> $0.00000 | 92.600% | 33.300% | 66.700% | 82.800% | $7019.09 | $168458.09 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $700003.39 | 6.375% | $4435.71 | $5410.31 | 2025-12-19 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $5,410.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,435.71 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $700,003.39. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5606.61 | $5606.61 | $5606.61 | $5606.61 | $5606.61 | $5606.61 | $5606.61 | $5610.31 | $5510.31 | $5610.31 | $5410.31 | $5410.31 | $5510.31 | $5510.31 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-11-25 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5606.61000<br> $5606.61000<br> $5606.61000<br> $5606.61000<br> $5606.61000<br> $5606.61000<br> $5606.61000<br> $5610.31000<br> $5510.31000<br> $5610.31000<br> $5410.31000<br> $5410.31000<br> $5510.31000<br> $5510.31000<br> $0.00000<br> $0.00000<br> $0.00000 | 59.900% | 0.000% | 50.600% | 76.700% | $3242.44 | $77818.44 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $526545.14 | 5.750% | $3124.05 | $3637.93 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,637.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,124.05 with an interest rate of 5.750%. The current UPB is $526,545.14. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3617.37 | $0.00 | $3617.37 | $3617.37 | $3617.37 | $3617.37 | $3617.37 | $3617.37 | $3617.37 | $3617.37 | $3617.37 | $3617.37 | $3617.37 | $3637.93 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3617.37000<br> $0.00000<br> $3617.37000<br> $3617.37000<br> $3617.37000<br> $3617.37000<br> $3617.37000<br> $3617.37000<br> $3617.37000<br> $3617.37000<br> $3617.37000<br> $3617.37000<br> $3617.37000<br> $3637.93000<br> $0.00000<br> $0.00000 | 53.900% | 33.300% | 66.400% | 82.900% | $1960.27 | $47046.37 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $355812.88 | 5.875% | $2129.24 | $3250.37 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,250.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,129.24 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $355,812.88. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $9751.11 | $3250.37 | $3250.37 | $3250.37 | $3250.37 | $0.00 | $0.00 | $9751.11 | $3250.37 | $0.00 | $0.00 | 00210000021 | 12000001200 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $9751.11000<br> $3250.37000<br> $3250.37000<br> $3250.37000<br> $3250.37000<br> $0.00000<br> $0.00000<br> $9751.11000<br> $3250.37000<br> $0.00000<br> $0.00000 | 45.800% | 33.300% | 66.700% | 91.700% | $1489.75 | $35754.07 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $187776.55 | 2.625% | $886.94 | $1522.65 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,522.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $886.94 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $187,776.55. | $1586.81 | $1586.81 | $1586.81 | $1586.81 | $3173.62 | $0.00 | $1695.37 | $1695.37 | $1695.37 | $1695.37 | $1695.37 | $1695.37 | $1695.37 | $1695.37 | $1695.37 | $1695.37 | $1695.37 | $1695.37 | $1695.37 | $3045.03 | $1522.65 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-28 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1586.81000<br> $1586.81000<br> $1586.81000<br> $1586.81000<br> $3173.62000<br> $0.00000<br> $1695.37000<br> $1695.37000<br> $1695.37000<br> $1695.37000<br> $1695.37000<br> $1695.37000<br> $1695.37000<br> $1695.37000<br> $1695.37000<br> $1695.37000<br> $1695.37000<br> $1695.37000<br> $1695.37000<br> $3045.03000<br> $1522.65000<br> $0.00000<br> $0.00000<br> $0.00000 | 98.900% | 0.000% | 68.600% | 89.900% | $1505.35 | $36128.35 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $443333.58 | 2.500% | $1998.53 | $3128.08 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,128.08 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,998.53 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $443,333.58. | $2980.49 | $2980.49 | $2980.49 | $2980.49 | $3127.36 | $3127.36 | $3127.36 | $3127.36 | $3127.36 | $3127.36 | $3127.36 | $3127.36 | $3127.36 | $3127.36 | $3127.36 | $3127.36 | $3128.08 | $3128.08 | $3128.08 | $3128.08 | $3128.08 | $3128.08 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2980.49000<br> $2980.49000<br> $2980.49000<br> $2980.49000<br> $3127.36000<br> $3127.36000<br> $3127.36000<br> $3127.36000<br> $3127.36000<br> $3127.36000<br> $3127.36000<br> $3127.36000<br> $3127.36000<br> $3127.36000<br> $3127.36000<br> $3127.36000<br> $3128.08000<br> $3128.08000<br> $3128.08000<br> $3128.08000<br> $3128.08000<br> $3128.08000<br> $0.00000<br> $0.00000 | 90.900% | 33.300% | 66.700% | 83.300% | $2842.45 | $68218.76 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $154744.05 | 3.375% | $769.69 | $1209.71 | 2025-12-18 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,209.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $769.69 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $154,744.05.<br>| $1388.35 | $1388.35 | $1388.35 | $0.00 | $2576.70 | $2826.70 | $0.00 | $1288.35 | $1438.35 | $0.00 | $3844.33 | $0.00 | $0.00 | $3802.89 | $0.00 | $1267.63 | $1267.63 | $1209.71 | $1209.71 | $1209.71 | $1309.71 | $0.00 | $0.00 | $0.00 | 000000001001000001000000 | 000000100000100100000000 | 2025-11-25 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1388.35000<br> $1388.35000<br> $1388.35000<br> $0.00000<br> $2576.70000<br> $2826.70000<br> $0.00000<br> $1288.35000<br> $1438.35000<br> $0.00000<br> $3844.33000<br> $0.00000<br> $0.00000<br> $3802.89000<br> $0.00000<br> $1267.63000<br> $1267.63000<br> $1209.71000<br> $1209.71000<br> $1209.71000<br> $1309.71000<br> $0.00000<br> $0.00000<br> $0.00000 | 94.400% | 0.000% | 51.400% | 77.700% | $1142.35 | $27416.47 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $1017101.55 | 3.500% | $4921.53 | $6756.94 | 2025-11-14 | 2025-09-01 | 2 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,756.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,921.53 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $1,017,101.55. | $6667.78 | $6667.78 | $6667.78 | $6667.78 | $6479.54 | $6479.54 | $6479.54 | $6479.54 | $6479.54 | $6479.54 | $6479.54 | $6479.54 | $6479.54 | $6479.54 | $6479.54 | $6479.54 | $6756.94 | $6756.94 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 210000000000000000000000 | 000000000000000000000012 | 2025-08-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $6667.78000<br> $6667.78000<br> $6667.78000<br> $6667.78000<br> $6479.54000<br> $6479.54000<br> $6479.54000<br> $6479.54000<br> $6479.54000<br> $6479.54000<br> $6479.54000<br> $6479.54000<br> $6479.54000<br> $6479.54000<br> $6479.54000<br> $6479.54000<br> $6756.94000<br> $6756.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.700% | 0.000% | 0.000% | 48.600% | $4914.15 | $117939.48 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $276874.08 | 7.625% | $1990.32 | $2808.29 | 2025-12-19 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,808.29 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,990.32 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $276,874.08. | $0.00 | $0.00 | $5344.30 | $0.00 | $2672.15 | $2672.15 | $2672.15 | $2672.15 | $2672.15 | $2672.15 | $2672.15 | $2672.15 | $2672.15 | $2672.15 | $2808.29 | $2808.29 | $2808.29 | $2808.29 | $2808.29 | $2808.29 | $2808.29 | $2808.29 | $0.00 | $0.00 | 00000000000000000000 | 00000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $5344.30000<br> $0.00000<br> $2672.15000<br> $2672.15000<br> $2672.15000<br> $2672.15000<br> $2672.15000<br> $2672.15000<br> $2672.15000<br> $2672.15000<br> $2672.15000<br> $2672.15000<br> $2808.29000<br> $2808.29000<br> $2808.29000<br> $2808.29000<br> $2808.29000<br> $2808.29000<br> $2808.29000<br> $2808.29000<br> $0.00000<br> $0.00000 | 80.900% | 33.300% | 66.700% | 82.500% | $2272.17 | $54532.12 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $696450.75 | 4.750% | $3860.19 | $9045.57 | 2025-12-10 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $9,045.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,860.19 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $696,450.75. | $7881.61 | $7881.61 | $7881.61 | $7881.61 | $7881.61 | $7881.61 | $7881.61 | $7881.61 | $7881.61 | $7881.61 | $7881.61 | $9045.57 | $9045.57 | $9045.57 | $9045.57 | $9045.57 | $9045.57 | $9045.57 | $9045.57 | $9045.57 | $9045.57 | $9045.57 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $7881.61000<br> $7881.61000<br> $7881.61000<br> $7881.61000<br> $7881.61000<br> $7881.61000<br> $7881.61000<br> $7881.61000<br> $7881.61000<br> $7881.61000<br> $7881.61000<br> $9045.57000<br> $9045.57000<br> $9045.57000<br> $9045.57000<br> $9045.57000<br> $9045.57000<br> $9045.57000<br> $9045.57000<br> $9045.57000<br> $9045.57000<br> $9045.57000<br> $0.00000<br> $0.00000 | 85.800% | 33.300% | 66.700% | 83.300% | $7758.29 | $186198.98 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $449177.00 | 2.568% | $2035.35 | $2734.82 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,734.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,035.35 with an interest rate of 2.568%. The current UPB reflected as per the payment history is $449,177.00. | $2862.77 | $2862.77 | $2862.77 | $2862.77 | $2862.77 | $2862.77 | $2862.77 | $2862.77 | $2862.77 | $2862.77 | $2862.77 | $2734.82 | $2734.82 | $2734.82 | $2734.82 | $2734.82 | $2734.82 | $2734.82 | $2734.82 | $2734.82 | $2734.82 | $2734.82 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2862.77000<br> $2862.77000<br> $2862.77000<br> $2862.77000<br> $2862.77000<br> $2862.77000<br> $2862.77000<br> $2862.77000<br> $2862.77000<br> $2862.77000<br> $2862.77000<br> $2734.82000<br> $2734.82000<br> $2734.82000<br> $2734.82000<br> $2734.82000<br> $2734.82000<br> $2734.82000<br> $2734.82000<br> $2734.82000<br> $2734.82000<br> $2734.82000<br> $0.00000<br> $0.00000 | 93.800% | 33.300% | 66.700% | 83.300% | $2565.56 | $61573.49 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $807844.20 | 6.625% | $5186.52 | $6132.37 | 2025-11-14 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,132.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,186.52 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $807,844.20. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6132.37 | $6132.37 | $6132.37 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-11-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6132.37000<br> $6132.37000<br> $6132.37000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $766.55 | $18397.11 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $166975.19 | 6.775% | $1092.44 | $1367.25 | 2025-11-24 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,367.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,092.44 with an interest rate of 6.775%. The current UPB reflected as per the payment history is $166,975.19. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1303.49 | $0.00 | $1303.49 | $1367.25 | $1367.25 | $1367.25 | $1367.25 | $1367.25 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1303.49000<br> $0.00000<br> $1303.49000<br> $1367.25000<br> $1367.25000<br> $1367.25000<br> $1367.25000<br> $1367.25000<br> $0.00000<br> $0.00000<br> $0.00000 | 28.800% | 0.000% | 50.000% | 57.600% | $393.47 | $9443.23 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $120141.13 | 6.450% | $775.95 | $1142.00 | 2025-11-18 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,142.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $775.95 with an interest rate of 6.450%. The current UPB reflected as per the payment history is $120,141.13. | $0.00 | $1049.27 | $1049.27 | $1049.27 | $2098.54 | $0.00 | $1049.27 | $2098.54 | $0.00 | $1049.27 | $2191.27 | $0.00 | $1142.00 | $1142.00 | $1142.00 | $2284.00 | $1142.00 | $0.00 | $1142.00 | $2284.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-10-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $1049.27000<br> $1049.27000<br> $1049.27000<br> $2098.54000<br> $0.00000<br> $1049.27000<br> $2098.54000<br> $0.00000<br> $1049.27000<br> $2191.27000<br> $0.00000<br> $1142.00000<br> $1142.00000<br> $1142.00000<br> $2284.00000<br> $1142.00000<br> $0.00000<br> $1142.00000<br> $2284.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.000% | 0.000% | 50.000% | 75.000% | $913.03 | $21912.70 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $149718.34 | 8.375% | $1140.11 | $1140.11 | 2025-11-18 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,140.11 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,140.11 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $149,718.34. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1140.11 | $0.00 | $1140.11 | $1140.11 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-11-13 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1140.11000<br> $0.00000<br> $1140.11000<br> $1140.11000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $142.51 | $3420.33 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $559540.98 | 7.000% | $3725.69 | $3725.69 | 2025-11-18 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,725.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,725.69 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $559,540.98. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3725.69 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3725.69000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $155.24 | $3725.69 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $96667.27 | 2.875% | $448.09 |  | 2025-10-23 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $448.09 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $96,667.27.<br> As per the collection comment dated xx/xx/2024, the payments have been deferred in the amount of $17,679.45. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $13560.51 | $904.83 | $904.83 | $904.83 | $904.83 | $904.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000044444444444321444 | 44412344444444444000000M |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $13560.51000<br> $904.83000<br> $904.83000<br> $904.83000<br> $904.83000<br> $904.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $753.53 | $18084.66 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $266206.60 | 5.250% | $1508.61 |  | 2025-10-23 | 2025-11-01 | 0 | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,508.61 with an interest rate of 5.250%. The current UPB reflected as per the tape is $266,206.60. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMM | MMMMMMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $341435.66 | 5.750% | $2016.24 |  | 2025-10-23 | 2025-10-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,016.24 with an interest rate of 5.750%. The current UPB reflected as per the tape is $341,435.66. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2515.91 | $2515.91 | $2515.91 | $2515.91 | $2515.91 | $2515.91 | $0.00 | $5031.82 | $2515.91 | $0.00 | $2515.91 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M1001000000 | 0000001001M |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2515.91000<br> $2515.91000<br> $2515.91000<br> $2515.91000<br> $2515.91000<br> $2515.91000<br> $0.00000<br> $5031.82000<br> $2515.91000<br> $0.00000<br> $2515.91000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $1048.30 | $25159.10 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $561490.97 | 5.749% | $3409.23 |  | 2025-10-23 | 2025-12-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,409.23 with an interest rate of 5.749%. The current UPB reflected as per the tape is $561,490.97. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3409.23 | $3409.23 | $3409.23 | $3409.23 | $3409.23 | $3409.23 | $3409.23 | $3409.23 | $3409.23 | $3409.23 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M0000000000 | 0000000000M |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3409.23000<br> $3409.23000<br> $3409.23000<br> $3409.23000<br> $3409.23000<br> $3409.23000<br> $3409.23000<br> $3409.23000<br> $3409.23000<br> $3409.23000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $1420.51 | $34092.30 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $289531.68 | 5.499% | $1652.88 |  | 2025-10-23 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,652.88 with an interest rate of 5.499%. The current UPB reflected as per the tape is $289,531.68. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2187.69 | $2187.69 | $2187.69 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM000 | 000MM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2187.69000<br> $2187.69000<br> $2187.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $273.46 | $6563.07 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $325177.66 | 6.500% | $2115.22 |  | 2025-10-23 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $2,115.22 with an interest rate of 6.500%. The current UPB reflected as per the tape is $325,177.66. | $2487.09 | $2487.09 | $2487.09 | $2564.51 | $2564.51 | $2564.51 | $2564.51 | $2564.51 | $2564.51 | $2564.51 | $2564.51 | $2564.51 | $2564.51 | $2564.51 | $2564.51 | $2533.86 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMM00000000000000000000 | 00000000000000000000MMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2487.09000<br> $2487.09000<br> $2487.09000<br> $2564.51000<br> $2564.51000<br> $2564.51000<br> $2564.51000<br> $2564.51000<br> $2564.51000<br> $2564.51000<br> $2564.51000<br> $2564.51000<br> $2564.51000<br> $2564.51000<br> $2564.51000<br> $2533.86000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $1698.72 | $40769.25 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $585411.08 | 6.625% | $3768.23 |  | 2025-10-23 | 2025-11-01 | 0 | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $3,768.23 with an interest rate of 6.625%. The current UPB reflected as per the tape is $585,411.08. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4756.14 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMM0 | 0MMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4756.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $198.17 | $4756.14 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $342965.53 | 5.990% | $2060.24 |  | 2025-10-23 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received date. The current xxis $2,060.24 with an interest rate of 5.990%. The current UPB reflected as per the tape is $342,965.53. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2384.91 | $2384.91 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00 | 00M |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2384.91000<br> $2384.91000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $198.74 | $4769.82 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $139852.98 | 3.875% | $638.38 |  | 2025-10-23 | 2025-11-01 | 0 | According to payment history tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. We are unable to determine the last payment received. The current xxis $638.38 with an interest rate of 3.875%. The current UPB reflected as per the payment history tape data is $139,852.98.<br> As per the collection comment dated xx/xx/2024, the deferred balance is $300.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $218193.41 | 2.250% | $702.61 |  | 2025-10-23 | 2025-10-01 | 0 | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $702.61 with an interest rate of 2.250%. The current UPB reflected as per the tape is $218,193.41. <br> The due dates were advanced from xx/xx/2023 to xx/xx/2024 due to a loan modification. | $0.00 | $0.00 | $1397.12 | $1397.12 | $0.00 | $1120.58 | $1120.58 | $1187.12 | $1187.12 | $1187.12 | $1187.12 | $1187.12 | $1187.12 | $1187.12 | $1187.12 | $1204.92 | $1204.92 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000004444444444 | 4444444444000000000000MM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $1397.12000<br> $1397.12000<br> $0.00000<br> $1120.58000<br> $1120.58000<br> $1187.12000<br> $1187.12000<br> $1187.12000<br> $1187.12000<br> $1187.12000<br> $1187.12000<br> $1187.12000<br> $1187.12000<br> $1204.92000<br> $1204.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $705.93 | $16942.20 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $281078.70 | 7.000% | $1896.11 |  | 2025-10-23 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the details of the last payment received. The current xxis $1,896.11 with an interest rate of 7.000%. The current UPB is $281,078.70. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2370.08 | $2370.08 | $2370.08 | $2370.08 | $5298.31 | $2428.23 | $2428.23 | $2428.23 | $2428.23 | $2428.23 | $2428.23 | $2428.23 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M0000000000000 | 0000000000000M |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2370.08000<br> $2370.08000<br> $2370.08000<br> $2370.08000<br> $5298.31000<br> $2428.23000<br> $2428.23000<br> $2428.23000<br> $2428.23000<br> $2428.23000<br> $2428.23000<br> $2428.23000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $1324.01 | $31776.24 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $97801.34 | 6.999% | $665.24 | $1436.34 | 2025-10-23 | 2025-11-01 | 0 | According to payment history tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $665.24 with an interest rate of 6.999%. The current UPB reflected as per the tape is $97,801.34. | $1453.74 | $1453.74 | $1453.74 | $1453.74 | $1453.74 | $1453.74 | $1435.88 | $1435.88 | $1435.88 | $1436.34 | $1436.34 | $1436.34 | $1436.34 | $1436.34 | $1436.34 | $1436.34 | $1436.34 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMM000000000000000000000 | 000000000000000000000MMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1453.74000<br> $1453.74000<br> $1453.74000<br> $1453.74000<br> $1453.74000<br> $1453.74000<br> $1435.88000<br> $1435.88000<br> $1435.88000<br> $1436.34000<br> $1436.34000<br> $1436.34000<br> $1436.34000<br> $1436.34000<br> $1436.34000<br> $1436.34000<br> $1436.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.100% | 0.000% | 0.000% | 41.700% | $1021.70 | $24520.80 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $400775.17 | 2.375% | $1764.49 |  | 2025-10-23 | 2025-11-01 | 0 | According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. Unable to determine the last payment received. The current xxis $1,764.49 with an interest rate of 2.375%. The current UPB reflected as per the tape is $400,775.17. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $533602.77 | 2.875% | $1884.63 | $2601.34 | 2025-11-17 | 2025-10-01 | 1 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,601.34 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,884.63 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $533,602.77. The due dates were adjusted from xx/xx/2023 to xx/xx/2025 due to modification. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2830.25 | $0.00 | $2830.25 | $2830.25 | $0.00 | $0.00 | $0.00 | $0.00 | $2601.34 | $2601.34 | $0.00 | $7804.02 | $2601.34 | $0.00 | $0.00 | $0.00 | $0.00 | 113222144444444444444444 | 444444444444444441222311 | 2025-10-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2830.25000<br> $0.00000<br> $2830.25000<br> $2830.25000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2601.34000<br> $2601.34000<br> $0.00000<br> $7804.02000<br> $2601.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 38.600% | 0.000% | 66.700% | 50.000% | $1004.12 | $24098.79 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $149325.48 | 7.500% | $1048.82 | $1048.82 | 2025-12-17 | 2026-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,048.82 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,048.82 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $149,325.48. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2548.82 | $0.00 | $0.00 | 00 | 00 | 2025-12-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2548.82000<br> $0.00000<br> $0.00000 | 10.100% | 81.000% | 40.500% | 20.300% | $106.20 | $2548.82 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $386355.79 | 7.375% | $2670.50 | $3315.16 | 2025-12-17 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025, in the amount of $3,315.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,670.50 with an interest rate of 7.375%. The current UPB is $386,355.79. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3315.16 | $0.00 | $0.00 | 0 | 0 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3315.16000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $138.13 | $3315.16 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $294400.00 | 9.000% | $2208.00 | $2976.25 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,976.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,208.00 with an interest rate of 9.000%. The current UPB reflected as per the payment history is $294,400.00. The loan is interest-only for 12 months. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5952.50 | $2976.25 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-11-13 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5952.50000<br> $2976.25000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $372.03 | $8928.75 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $140000.00 | 5.990% | $838.47 |  | 2025-11-12 | 2026-01-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is xx/xx/2026. According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current xxis $838.47 with an interest rate of 5.990%. The current UPB reflected as per the tape is $140,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $127686.52 | 8.500% | $984.21 | $1439.07 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,439.07 (xx), which was applied for the due date of xx/xx/2025. The current xxis $984.21 with an interest rate of 8.50%. The current UPB reflected as per the payment history is $127,686.52. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2878.14 | $0.00 | $2878.14 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-11-28 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2878.14000<br> $0.00000<br> $2878.14000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 66.700% | 33.300% | $239.85 | $5756.28 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $375900.21 | 4.990% | $2059.20 | $2429.10 | 2025-12-02 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,429.10 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,059.20 with an interest rate of 4.990%. The current UPB reflected as per the payment history is $375,900.21. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2396.10 | $2396.10 | $2622.22 | $2622.22 | $2622.22 | $4532.82 | $2622.22 | $2622.22 | $2429.10 | $2429.10 | $2429.10 | $2429.10 | $2429.10 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2396.10000<br> $2396.10000<br> $2622.22000<br> $2622.22000<br> $2622.22000<br> $4532.82000<br> $2622.22000<br> $2622.22000<br> $2429.10000<br> $2429.10000<br> $2429.10000<br> $2429.10000<br> $2429.10000<br> $0.00000<br> $0.00000 | 59.300% | 33.300% | 66.700% | 93.200% | $1440.90 | $34581.62 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $319293.53 | 6.875% | $2099.29 | $2698.71 | 2025-12-02 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,698.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,099.29 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $319,293.53. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2698.71 | $0.00 | $0.00 | 0 | 0 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2698.71000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $112.45 | $2698.71 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $152607.95 | 5.990% | $916.33 | $1400.00 | 2025-12-03 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,400.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $916.33 with an interest rate of 5.990%. The current UPB reflected as per the payment history is $152,607.95. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1400.00 | $0.00 | $0.00 | 0 | 0 | 2025-12-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1400.00000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $58.33 | $1400.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $328020.78 | 6.375% | $2072.18 | $2643.68 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,643.68 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,072.18 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $328,020.78. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2632.70 | $2632.70 | $2632.70 | $2632.70 | $2632.70 | $2632.70 | $2632.70 | $2632.70 | $2632.70 | $2632.70 | $2632.70 | $2632.70 | $2643.68 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2632.70000<br> $2632.70000<br> $2632.70000<br> $2632.70000<br> $2632.70000<br> $2632.70000<br> $2632.70000<br> $2632.70000<br> $2632.70000<br> $2632.70000<br> $2632.70000<br> $2632.70000<br> $2643.68000<br> $0.00000<br> $0.00000 | 54.000% | 33.300% | 66.500% | 83.000% | $1426.50 | $34236.08 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $750000.00 | 6.000% | $4496.63 |  | 2025-11-21 | 2025-12-01 | 0 | The loan was originated on xx/xx/2025 with a first payment date of xx/xx/2025. According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The current xxis $4,496.63 with an interest rate of 6.000%. The current UPB as per the tape is $750,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $54369.91 | 6.125% | $734.17 | $1159.74 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,159.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $734.17 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $54,369.91. | $1300.00 | $1300.00 | $1300.00 | $1300.00 | $1300.00 | $1300.00 | $1300.00 | $1300.00 | $1500.00 | $1470.00 | $1500.00 | $1500.00 | $1500.00 | $1500.00 | $1500.00 | $1500.00 | $1500.00 | $1500.00 | $1500.00 | $2000.00 | $2000.00 | $2000.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1300.00000<br> $1300.00000<br> $1300.00000<br> $1300.00000<br> $1300.00000<br> $1300.00000<br> $1300.00000<br> $1300.00000<br> $1500.00000<br> $1470.00000<br> $1500.00000<br> $1500.00000<br> $1500.00000<br> $1500.00000<br> $1500.00000<br> $1500.00000<br> $1500.00000<br> $1500.00000<br> $1500.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $0.00000<br> $0.00000 | 118.100% | 57.500% | 107.800% | 118.600% | $1369.58 | $32870.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $49178.13 | 6.125% | $615.10 | $1275.92 | 2025-12-04 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,275.92 (xx), which was applied for the due date of xx/xx/2025. The current xxis $615.10 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $49,178.13. | $1237.70 | $1188.35 | $1188.35 | $1188.35 | $1188.35 | $1215.07 | $1215.07 | $1239.30 | $1239.30 | $1239.30 | $1239.30 | $1239.30 | $1239.30 | $1239.30 | $1257.28 | $1257.28 | $1257.28 | $1275.92 | $1275.92 | $1275.92 | $1275.92 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1237.70000<br> $1188.35000<br> $1188.35000<br> $1188.35000<br> $1188.35000<br> $1215.07000<br> $1215.07000<br> $1239.30000<br> $1239.30000<br> $1239.30000<br> $1239.30000<br> $1239.30000<br> $1239.30000<br> $1239.30000<br> $1257.28000<br> $1257.28000<br> $1257.28000<br> $1275.92000<br> $1275.92000<br> $1275.92000<br> $1275.92000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.800% | 0.000% | 50.000% | 74.200% | $1082.16 | $25971.86 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $197770.60 | 4.375% | $1118.90 | $1696.57 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,696.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,118.90 with an interest rate of 4.375%. The current UPB reflected as per the payment history is $197,770.60. | $1708.91 | $1670.53 | $1670.53 | $1670.53 | $1670.53 | $1670.53 | $1670.53 | $1670.53 | $1670.53 | $1670.53 | $1708.91 | $1708.91 | $1696.57 | $1696.57 | $1696.57 | $1696.57 | $1696.57 | $1696.57 | $1696.57 | $1696.57 | $1696.57 | $1696.57 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1708.91000<br> $1670.53000<br> $1670.53000<br> $1670.53000<br> $1670.53000<br> $1670.53000<br> $1670.53000<br> $1670.53000<br> $1670.53000<br> $1670.53000<br> $1708.91000<br> $1708.91000<br> $1696.57000<br> $1696.57000<br> $1696.57000<br> $1696.57000<br> $1696.57000<br> $1696.57000<br> $1696.57000<br> $1696.57000<br> $1696.57000<br> $1696.57000<br> $0.00000<br> $0.00000 | 91.200% | 33.300% | 66.700% | 83.300% | $1546.97 | $37127.20 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $40979.58 | 6.125% | $516.38 | $960.90 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $960.90 (xx), which was applied for the due date of xx/xx/2025. The current xxis $516.38 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $40,979.58. | $809.89 | $809.89 | $841.83 | $841.83 | $841.83 | $864.27 | $864.27 | $864.27 | $864.27 | $1728.54 | $0.00 | $864.27 | $864.27 | $945.26 | $1890.52 | $0.00 | $1906.16 | $960.90 | $0.00 | $960.90 | $960.90 | $960.90 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $809.89000<br> $809.89000<br> $841.83000<br> $841.83000<br> $841.83000<br> $864.27000<br> $864.27000<br> $864.27000<br> $864.27000<br> $1728.54000<br> $0.00000<br> $864.27000<br> $864.27000<br> $945.26000<br> $1890.52000<br> $0.00000<br> $1906.16000<br> $960.90000<br> $0.00000<br> $960.90000<br> $960.90000<br> $960.90000<br> $0.00000<br> $0.00000 | 85.200% | 33.300% | 50.000% | 82.000% | $818.54 | $19644.97 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $28056.51 | 6.125% | $354.21 | $555.66 | 2025-12-03 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $555.66 (xx), which was applied for the due date of xx/xx/2025. The current xxis $354.21 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $28,056.51. | $540.00 | $540.00 | $540.00 | $540.00 | $540.00 | $540.00 | $540.00 | $540.00 | $540.00 | $540.00 | $540.00 | $561.00 | $561.00 | $0.00 | $1122.00 | $561.00 | $561.00 | $555.66 | $560.00 | $560.00 | $555.66 | $600.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $540.00000<br> $540.00000<br> $540.00000<br> $540.00000<br> $540.00000<br> $540.00000<br> $540.00000<br> $540.00000<br> $540.00000<br> $540.00000<br> $540.00000<br> $561.00000<br> $561.00000<br> $0.00000<br> $1122.00000<br> $561.00000<br> $561.00000<br> $555.66000<br> $560.00000<br> $560.00000<br> $555.66000<br> $600.00000<br> $0.00000<br> $0.00000 | 91.000% | 36.000% | 68.300% | 84.500% | $505.72 | $12137.32 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $34373.53 | 6.125% | $437.53 | $1294.72 | 2025-12-02 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $1,294.72 (xx), which was applied for the due date of xx/xx/2025. The current xxis $437.53 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $34,373.53. | $1195.30 | $1245.70 | $1245.70 | $1245.70 | $1245.70 | $1253.82 | $1253.82 | $1323.84 | $1323.84 | $1323.84 | $1323.84 | $1323.84 | $1223.84 | $1223.84 | $1393.70 | $1393.70 | $1393.70 | $1394.72 | $1394.72 | $1394.72 | $1394.72 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-13 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1195.30000<br> $1245.70000<br> $1245.70000<br> $1245.70000<br> $1245.70000<br> $1253.82000<br> $1253.82000<br> $1323.84000<br> $1323.84000<br> $1323.84000<br> $1323.84000<br> $1323.84000<br> $1223.84000<br> $1223.84000<br> $1393.70000<br> $1393.70000<br> $1393.70000<br> $1394.72000<br> $1394.72000<br> $1394.72000<br> $1394.72000<br> $0.00000<br> $0.00000<br> $0.00000 | 88.500% | 0.000% | 53.900% | 78.600% | $1146.36 | $27512.60 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $25403.12 | 6.125% | $320.10 | $894.29 | 2025-12-05 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $894.29 (xx), which was applied for the due date of xx/xx/2025. The current xxis $320.10 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $25,403.12. | $862.78 | $862.78 | $862.78 | $862.78 | $862.78 | $876.69 | $876.69 | $876.69 | $876.69 | $876.69 | $876.69 | $876.69 | $884.59 | $884.59 | $884.59 | $884.59 | $884.59 | $884.59 | $884.59 | $884.59 | $884.59 | $884.59 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $862.78000<br> $862.78000<br> $862.78000<br> $862.78000<br> $862.78000<br> $876.69000<br> $876.69000<br> $876.69000<br> $876.69000<br> $876.69000<br> $876.69000<br> $876.69000<br> $884.59000<br> $884.59000<br> $884.59000<br> $884.59000<br> $884.59000<br> $884.59000<br> $884.59000<br> $884.59000<br> $884.59000<br> $884.59000<br> $0.00000<br> $0.00000 | 89.900% | 33.000% | 65.900% | 82.400% | $804.03 | $19296.63 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $12551.82 | 6.125% | $161.69 | $718.02 | 2025-11-26 | 2026-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $718.02 (xx), which was applied for the due date of xx/xx/2026. The current xxis $161.69 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $12,551.82. | $0.00 | $1559.06 | $1559.06 | $1286.08 | $2406.36 | $1604.24 | $802.12 | $802.12 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $802.12 | $1604.24 | $2872.08 | $718.02 | $718.02 | $1436.04 | $718.02 | $2154.06 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-09-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $1559.06000<br> $1559.06000<br> $1286.08000<br> $2406.36000<br> $1604.24000<br> $802.12000<br> $802.12000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $802.12000<br> $1604.24000<br> $2872.08000<br> $718.02000<br> $718.02000<br> $1436.04000<br> $718.02000<br> $2154.06000<br> $0.00000<br> $0.00000<br> $0.00000 | 122.100% | 0.000% | 100.000% | 127.900% | $876.74 | $21041.64 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $57472.06 | 6.125% | $731.87 | $1189.74 | 2025-11-25 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,189.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $731.87 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $57,472.06. | $2309.37 | $0.00 | $2198.56 | $0.00 | $2230.46 | $0.00 | $1131.18 | $2262.36 | $1131.18 | $0.00 | $2262.36 | $0.00 | $1131.18 | $2539.88 | $1169.94 | $0.00 | $1169.94 | $1289.74 | $2879.48 | $1189.74 | $1189.74 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-25 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2309.37000<br> $0.00000<br> $2198.56000<br> $0.00000<br> $2230.46000<br> $0.00000<br> $1131.18000<br> $2262.36000<br> $1131.18000<br> $0.00000<br> $2262.36000<br> $0.00000<br> $1131.18000<br> $2539.88000<br> $1169.94000<br> $0.00000<br> $1169.94000<br> $1289.74000<br> $2879.48000<br> $1189.74000<br> $1189.74000<br> $0.00000<br> $0.00000<br> $0.00000 | 91.400% | 0.000% | 73.700% | 88.000% | $1086.88 | $26085.11 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $32344.69 | 6.125% | $407.57 | $712.81 | 2025-12-05 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $712.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $407.57 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $32,344.69.<br>| $671.79 | $671.79 | $671.79 | $671.79 | $671.79 | $689.50 | $689.50 | $689.50 | $689.50 | $681.23 | $681.23 | $681.23 | $681.23 | $681.23 | $681.23 | $681.23 | $681.23 | $693.58 | $693.58 | $693.58 | $693.58 | $712.81 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $671.79000<br> $671.79000<br> $671.79000<br> $671.79000<br> $671.79000<br> $689.50000<br> $689.50000<br> $689.50000<br> $689.50000<br> $681.23000<br> $681.23000<br> $681.23000<br> $681.23000<br> $681.23000<br> $681.23000<br> $681.23000<br> $681.23000<br> $693.58000<br> $693.58000<br> $693.58000<br> $693.58000<br> $712.81000<br> $0.00000<br> $0.00000 | 88.000% | 33.300% | 65.300% | 80.600% | $627.25 | $15053.92 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $45393.00 | 6.125% | $571.99 | $990.28 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $571.99 (xx), which was applied for the due date of xx/xx/2025. The current xxis $571.99 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $45,393.00.<br>| $861.66 | $861.66 | $861.66 | $861.66 | $861.66 | $886.51 | $886.51 | $886.51 | $886.51 | $944.50 | $944.50 | $944.50 | $944.50 | $944.50 | $944.50 | $944.50 | $944.50 | $961.83 | $961.83 | $961.83 | $961.83 | $990.28 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $861.66000<br> $861.66000<br> $861.66000<br> $861.66000<br> $861.66000<br> $886.51000<br> $886.51000<br> $886.51000<br> $886.51000<br> $944.50000<br> $944.50000<br> $944.50000<br> $944.50000<br> $944.50000<br> $944.50000<br> $944.50000<br> $944.50000<br> $961.83000<br> $961.83000<br> $961.83000<br> $961.83000<br> $990.28000<br> $0.00000<br> $0.00000 | 85.200% | 33.300% | 65.200% | 80.400% | $843.66 | $20247.94 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $42221.95 | 6.125% | $528.10 | $1199.73 | 2025-11-16 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,199.73 (xx), which was applied for the due date of xx/xx/2025. The current xxis $528.10 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $42,221.95. | $1128.82 | $1128.82 | $1128.82 | $1128.82 | $1128.82 | $1128.82 | $1128.82 | $1128.82 | $1128.82 | $1128.82 | $1128.82 | $1128.82 | $1128.82 | $1128.82 | $1186.25 | $1186.25 | $1186.25 | $1199.74 | $1199.74 | $1199.74 | $1199.74 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1128.82000<br> $1128.82000<br> $1128.82000<br> $1128.82000<br> $1128.82000<br> $1128.82000<br> $1128.82000<br> $1128.82000<br> $1128.82000<br> $1128.82000<br> $1128.82000<br> $1128.82000<br> $1128.82000<br> $1128.82000<br> $1186.25000<br> $1186.25000<br> $1186.25000<br> $1199.74000<br> $1199.74000<br> $1199.74000<br> $1199.74000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.900% | 0.000% | 50.000% | 73.700% | $1006.72 | $24161.19 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $36786.26 | 6.125% | $460.11 | $825.01 | 2025-11-25 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $825.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $460.11 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $36,786.26 | $873.85 | $903.68 | $953.68 | $903.68 | $903.68 | $920.37 | $1020.37 | $905.43 | $855.43 | $855.43 | $855.43 | $855.43 | $855.43 | $855.43 | $914.73 | $814.73 | $814.73 | $825.01 | $825.01 | $825.01 | $825.01 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $873.85000<br> $903.68000<br> $953.68000<br> $903.68000<br> $903.68000<br> $920.37000<br> $1020.37000<br> $905.43000<br> $855.43000<br> $855.43000<br> $855.43000<br> $855.43000<br> $855.43000<br> $855.43000<br> $914.73000<br> $814.73000<br> $814.73000<br> $825.01000<br> $825.01000<br> $825.01000<br> $825.01000<br> $0.00000<br> $0.00000<br> $0.00000 | 92.700% | 0.000% | 50.000% | 76.300% | $765.06 | $18361.55 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $19585.57 | 6.125% | $246.80 | $468.48 | 2025-11-25 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $468.48 (xx), which was applied for the due date of xx/xx/2025. The current xxis $246.80 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $19,585.57. | $421.61 | $435.23 | $0.00 | $435.23 | $435.23 | $435.23 | $0.00 | $891.92 | $445.96 | $445.96 | $445.96 | $461.18 | $461.18 | $0.00 | $461.18 | $922.36 | $0.00 | $936.96 | $0.00 | $936.96 | $468.48 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $421.61000<br> $435.23000<br> $0.00000<br> $435.23000<br> $435.23000<br> $435.23000<br> $0.00000<br> $891.92000<br> $445.96000<br> $445.96000<br> $445.96000<br> $461.18000<br> $461.18000<br> $0.00000<br> $461.18000<br> $922.36000<br> $0.00000<br> $936.96000<br> $0.00000<br> $936.96000<br> $468.48000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.400% | 0.000% | 50.000% | 74.500% | $376.69 | $9040.63 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $30082.71 | 6.125% | $379.07 | $677.54 | 2025-12-05 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $677.54(xx), which was applied for the due date of xx/xx/2025. The current xxis $379.07 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $30,082.71. | $686.76 | $686.76 | $686.76 | $686.76 | $686.76 | $703.24 | $703.24 | $703.24 | $703.24 | $614.44 | $614.44 | $614.44 | $614.44 | $614.44 | $614.44 | $614.44 | $614.44 | $625.92 | $625.92 | $625.92 | $625.92 | $677.54 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $686.76000<br> $686.76000<br> $686.76000<br> $686.76000<br> $686.76000<br> $703.24000<br> $703.24000<br> $703.24000<br> $703.24000<br> $614.44000<br> $614.44000<br> $614.44000<br> $614.44000<br> $614.44000<br> $614.44000<br> $614.44000<br> $614.44000<br> $625.92000<br> $625.92000<br> $625.92000<br> $625.92000<br> $677.54000<br> $0.00000<br> $0.00000 | 88.200% | 33.300% | 62.900% | 76.900% | $597.65 | $14343.50 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $326797.86 | 7.625% | $2321.56 | $2709.44 | 2025-11-18 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,709.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,321.56 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $326,797.86. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2709.44 | $2709.44 | $0.00 | $2709.44 | $5418.88 | $0.00 | $0.00 | $0.00 | $0.00 | 01100 | 00110 | 2025-10-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2709.44000<br> $2709.44000<br> $0.00000<br> $2709.44000<br> $5418.88000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 50.000% | 41.700% | $564.47 | $13547.20 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $264616.14 | 8.125% | $1968.66 | $2411.98 | 2025-11-19 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,411.98 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,968.66 and the interest rate is 8.125%. The current UPB reflected as per the payment history is $264,616.14. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2411.98 | $2411.98 | $2411.98 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-11-17 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2411.98000<br> $2411.98000<br> $2411.98000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $301.50 | $7235.94 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $424647.15 | 8.250% | $3196.64 | $3588.99 | 2025-12-04 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,588.99 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,196.64 with an interest rate of 8.250%. The current UPB reflected as per the payment history is $424,647.15. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3600.00 | $3600.00 | $3600.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-11-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3600.00000<br> $3600.00000<br> $3600.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.200% | 25.100% | $450.00 | $10800.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $197341.90 | 8.375% | $1520.14 | $2479.58 | 2026-01-12 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,479.58 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,520.14 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $197,341.90.<br>| $0.00 | $0.00 | $0.00 | $2170.33 | $2170.33 | $2170.33 | $2170.33 | $2170.33 | $2170.33 | $2170.33 | $2170.33 | $2170.33 | $2170.33 | $2170.33 | $2170.33 | $3097.73 | $3097.73 | $3097.73 | $3097.73 | $2479.58 | $2479.58 | $2479.58 | $2479.58 | $0.00 | 00000000000000000000 | 00000000000000000000 | 2026-01-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $2170.33000<br> $2170.33000<br> $2170.33000<br> $2170.33000<br> $2170.33000<br> $2170.33000<br> $2170.33000<br> $2170.33000<br> $2170.33000<br> $2170.33000<br> $2170.33000<br> $2170.33000<br> $3097.73000<br> $3097.73000<br> $3097.73000<br> $3097.73000<br> $2479.58000<br> $2479.58000<br> $2479.58000<br> $2479.58000<br> $0.00000 | 81.300% | 66.700% | 87.500% | 96.900% | $2014.72 | $48353.20 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $487500.00 | 7.380% | $2998.13 | $4581.27 | 2026-01-12 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $4,581.27 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,998.13 with an interest rate of 7.380%. The current UPB reflected as per the payment history is $487,500.00. The loan is interest only for ten years. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4426.28 | $4426.28 | $4426.28 | $4426.28 | $4426.28 | $4426.28 | $4426.28 | $4426.28 | $4426.28 | $4426.28 | $4426.28 | $4426.28 | $4638.69 | $4583.49 | $4583.49 | $4581.27 | $4581.27 | $0.00 | 00000000000000000 | 00000000000000000 | 2026-01-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4426.28000<br> $4426.28000<br> $4426.28000<br> $4426.28000<br> $4426.28000<br> $4426.28000<br> $4426.28000<br> $4426.28000<br> $4426.28000<br> $4426.28000<br> $4426.28000<br> $4426.28000<br> $4638.69000<br> $4583.49000<br> $4583.49000<br> $4581.27000<br> $4581.27000<br> $0.00000 | 69.200% | 66.700% | 83.600% | 90.100% | $3170.15 | $76083.57 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $380449.99 | 7.750% | $2767.14 | $3606.08 | 2026-01-12 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,606.08 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,767.14 with an interest rate of 7.750%. The current UPB reflected as per the payment history is $380,449.99. | $0.00 | $0.00 | $0.00 | $3325.26 | $3325.26 | $3325.26 | $3325.26 | $3325.26 | $3325.26 | $3325.26 | $3325.26 | $3325.26 | $3325.26 | $3325.26 | $3325.26 | $3474.44 | $3474.44 | $3474.44 | $3474.44 | $3474.44 | $3606.08 | $3606.08 | $3606.08 | $0.00 | 00000000000000000000 | 00000000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $3325.26000<br> $3325.26000<br> $3325.26000<br> $3325.26000<br> $3325.26000<br> $3325.26000<br> $3325.26000<br> $3325.26000<br> $3325.26000<br> $3325.26000<br> $3325.26000<br> $3325.26000<br> $3474.44000<br> $3474.44000<br> $3474.44000<br> $3474.44000<br> $3474.44000<br> $3606.08000<br> $3606.08000<br> $3606.08000<br> $0.00000 | 78.700% | 66.700% | 82.100% | 88.200% | $2837.23 | $68093.56 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $245762.09 | 3.875% | $1023.70 | $1842.07 | 2025-11-24 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,842.07 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,023.70 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $245,762.09. | $0.00 | $1890.78 | $1890.78 | $0.00 | $3684.14 | $1842.07 | $1842.07 | $1842.07 | $1842.07 | $1842.07 | $0.00 | $0.00 | $3736.40 | $1842.07 | $1842.07 | $1842.07 | $1842.07 | $1842.07 | $1842.07 | $1842.07 | $1842.07 | $0.00 | $0.00 | $0.00 | 000000000100000004444444 | 444444400000001000000000 | 2025-11-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $1890.78000<br> $1890.78000<br> $0.00000<br> $3684.14000<br> $1842.07000<br> $1842.07000<br> $1842.07000<br> $1842.07000<br> $1842.07000<br> $0.00000<br> $0.00000<br> $3736.40000<br> $1842.07000<br> $1842.07000<br> $1842.07000<br> $1842.07000<br> $1842.07000<br> $1842.07000<br> $1842.07000<br> $1842.07000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.500% | 0.000% | 50.000% | 83.600% | $1464.54 | $35149.01 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $249619.40 | 5.990% | $1515.24 | $1995.85 | 2025-12-02 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,995.85 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,515.24 with an interest rate of 5.990%. The current UPB is $249,619.40. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1999.85 | $3999.70 | $0.00 | $1999.85 | $1999.85 | $1999.85 | $1999.85 | $1999.85 | $1999.85 | $1999.85 | $1999.85 | $1995.85 | $1995.85 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1999.85000<br> $3999.70000<br> $0.00000<br> $1999.85000<br> $1999.85000<br> $1999.85000<br> $1999.85000<br> $1999.85000<br> $1999.85000<br> $1999.85000<br> $1999.85000<br> $1995.85000<br> $1995.85000<br> $0.00000<br> $0.00000 | 54.300% | 33.300% | 66.700% | 83.500% | $1082.92 | $25990.05 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $200537.00 | 5.875% | $1194.91 | $1733.89 | 2025-11-14 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,733.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,194.91 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $200,537.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1723.75 | $1723.75 | $1723.75 | $1723.75 | $1733.89 | $1733.89 | $1733.89 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-11-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1723.75000<br> $1723.75000<br> $1723.75000<br> $1723.75000<br> $1733.89000<br> $1733.89000<br> $1733.89000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.100% | 0.000% | 50.000% | 58.100% | $504.03 | $12096.67 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $214847.80 | 2.500% | $711.12 | $1070.52 | 2025-11-12 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,070.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $711.12 with an interest rate of 2.50%. The current UPB reflected as per the payment history is $214,847.80. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1211.45 | $1211.45 | $1211.45 | $0.00 | $0.00 | $2422.90 | $0.00 | $1060.23 | $0.00 | $2130.75 | $0.00 | $0.00 | $0.00 | $0.00 | 000444444444444444444444 | 444444444444444444444000 | 2025-10-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1211.45000<br> $1211.45000<br> $1211.45000<br> $0.00000<br> $0.00000<br> $2422.90000<br> $0.00000<br> $1060.23000<br> $0.00000<br> $2130.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 36.000% | 0.000% | 33.200% | 53.100% | $385.34 | $9248.23 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $467185.92 | 6.990% | $3157.00 | $3774.61 | 2025-12-09 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,774.61 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,157.00 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $467,185.92. | $0.00 | $0.00 | $0.00 | $3774.61 | $3774.61 | $3774.61 | $3774.61 | $0.00 | $0.00 | $3774.61 | $0.00 | $7549.22 | $11639.53 | $3774.61 | $3774.61 | $3774.61 | $3774.61 | $3774.61 | $3774.61 | $3774.61 | $3774.61 | $3774.61 | $0.00 | $0.00 | 0000000000232210000 | 0000122320000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $3774.61000<br> $3774.61000<br> $3774.61000<br> $3774.61000<br> $0.00000<br> $0.00000<br> $3774.61000<br> $0.00000<br> $7549.22000<br> $11639.53000<br> $3774.61000<br> $3774.61000<br> $3774.61000<br> $3774.61000<br> $3774.61000<br> $3774.61000<br> $3774.61000<br> $3774.61000<br> $3774.61000<br> $0.00000<br> $0.00000 | 79.500% | 33.300% | 66.700% | 100.700% | $3001.39 | $72033.29 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $775016.57 | 6.875% | $5117.48 | $5855.40 | 2025-12-09 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,855.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,117.48 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $775,016.57. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5855.40 | $5855.40 | $5855.40 | $5855.40 | $5855.40 | $5855.40 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-11-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5855.40000<br> $5855.40000<br> $5855.40000<br> $5855.40000<br> $5855.40000<br> $5855.40000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 50.000% | 50.000% | $1463.85 | $35132.40 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $167726.42 | 7.000% | $1129.35 | $1580.80 | 2025-12-09 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,580.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,129.35 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $167,726.42. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1552.53 | $1552.53 | $1552.53 | $1552.53 | $1552.53 | $1552.53 | $1552.53 | $1552.53 | $1552.53 | $1552.53 | $1552.53 | $1584.32 | $1584.32 | $1580.80 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-11-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1552.53000<br> $1552.53000<br> $1552.53000<br> $1552.53000<br> $1552.53000<br> $1552.53000<br> $1552.53000<br> $1552.53000<br> $1552.53000<br> $1552.53000<br> $1552.53000<br> $1584.32000<br> $1584.32000<br> $1580.80000<br> $0.00000<br> $0.00000<br> $0.00000 | 57.500% | 0.000% | 50.100% | 74.100% | $909.47 | $21827.27 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $750448.25 | 7.875% | $5472.10 | $5472.10 | 2025-12-09 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $5,472.10, which was applied for the due date of xx/xx/2025. The current xxis $5,472.10 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $750,448.25. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5472.10 | $5472.10 | $5472.10 | $5472.10 | $10944.20 | $0.00 | $5472.10 | $5472.10 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5472.10000<br> $5472.10000<br> $5472.10000<br> $5472.10000<br> $10944.20000<br> $0.00000<br> $5472.10000<br> $5472.10000<br> $0.00000<br> $0.00000 | 33.300% | 33.300% | 66.700% | 66.700% | $1824.03 | $43776.80 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $128189.09 | 3.240% | $812.74 | $1189.01 | 2025-12-09 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,189.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $812.74 with an interest rate of 3.240%. The current UPB reflected as per the payment history is $128,189.09.<br> As per the comment dated xx/xx/2025, the payments made in the month of Sep-2025 are BWR payments. | $1300.94 | $1300.94 | $1240.94 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8686.58 | $0.00 | $2378.02 | $99.92 | $0.00 | $0.00 | 021444444444444321000000 | 000000123444444444444120 | 2025-11-17 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1300.94000<br> $1300.94000<br> $1240.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8686.58000<br> $0.00000<br> $2378.02000<br> $99.92000<br> $0.00000<br> $0.00000 | 52.600% | 2.800% | 156.500% | 78.200% | $625.31 | $15007.34 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $289475.07 | 6.250% | $1784.04 | $2391.89 | 2025-12-09 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,391.89, which was applied for the due date of xx/xx/2025. The current monthly xxis $1,784.04 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $289,475.07. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2391.89 | $0.00 | $0.00 | 0 | 0 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2391.89000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $99.66 | $2391.89 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $209489.56 | 7.500% | $1482.33 | $1723.98 | 2025-12-09 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,723.98 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,482.33 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $209,489.56. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1723.98 | $0.00 | $1723.98 | $3447.96 | $2700.00 | $1800.00 | $1800.00 | $1800.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-11-24 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1723.98000<br> $0.00000<br> $1723.98000<br> $3447.96000<br> $2700.00000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 36.200% | 0.000% | 52.200% | 72.500% | $624.83 | $14995.92 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $116772.00 | 6.125% | $710.90 | $983.45 | 2025-12-08 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $983.45 (xx), which was applied for the due date of xx/xx/2025. The current xxis $710.90 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $116,772.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $983.45 | $983.45 | $0.00 | $0.00 | 00 | 00 | 2025-12-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $983.45000<br> $983.45000<br> $0.00000<br> $0.00000 | 8.300% | 33.300% | 33.300% | 16.700% | $81.95 | $1966.90 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $184715.07 | 7.000% | $1236.13 | $1723.05 | 2025-12-10 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,723.05 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,236.13 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $184,715.07. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1723.05 | $1723.05 | $1723.05 | $1723.05 | $1723.05 | $1723.05 | $1723.05 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-12-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1723.05000<br> $1723.05000<br> $1723.05000<br> $1723.05000<br> $1723.05000<br> $1723.05000<br> $1723.05000<br> $0.00000<br> $0.00000 | 29.200% | 33.300% | 66.700% | 58.300% | $502.56 | $12061.35 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $458745.70 | 6.500% | $2907.51 | $3592.33 | 2025-12-10 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,592.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,907.51 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $458,745.70. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3537.33 | $3537.33 | $3592.33 | $0.00 | $0.00 | 000 | 000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3537.33000<br> $3537.33000<br> $3592.33000<br> $0.00000<br> $0.00000 | 12.400% | 33.300% | 49.500% | 24.700% | $444.46 | $10666.99 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $188550.54 | 6.750% | $1228.28 | $1436.41 | 2025-12-10 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,436.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,228.28 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $188,550.54. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2872.82 | $1436.41 | $1436.41 | $1436.41 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-11-28 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2872.82000<br> $1436.41000<br> $1436.41000<br> $1436.41000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 50.000% | 41.700% | $299.25 | $7182.05 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $107310.35 | 8.125% | $811.18 | $864.90 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $864.90 (xx), which was applied for the due date of xx/xx/2025. The current xxis $811.18 with an interest rate of 8.125%. The current UPB reflected as per the payment history is $107,310.35.<br>| $890.39 | $890.39 | $890.39 | $890.39 | $890.39 | $890.39 | $890.39 | $890.39 | $890.39 | $890.39 | $890.39 | $890.39 | $890.39 | $890.39 | $907.00 | $907.00 | $908.65 | $908.65 | $908.65 | $908.65 | $883.16 | $864.90 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $890.39000<br> $890.39000<br> $890.39000<br> $890.39000<br> $890.39000<br> $890.39000<br> $890.39000<br> $890.39000<br> $890.39000<br> $890.39000<br> $890.39000<br> $890.39000<br> $890.39000<br> $890.39000<br> $907.00000<br> $907.00000<br> $908.65000<br> $908.65000<br> $908.65000<br> $908.65000<br> $883.16000<br> $864.90000<br> $0.00000<br> $0.00000 | 94.700% | 33.300% | 68.700% | 86.500% | $819.26 | $19662.12 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $547118.51 | 6.750% | $3567.29 | $3730.56 | 2025-12-06 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,730.56 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,567.29 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $547,118.51. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3730.56 | $3730.56 | $3730.56 | $3730.56 | $3730.56 | $3730.56 | $0.00 | $0.00 | 000000 | 000000 | 2025-12-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3730.56000<br> $3730.56000<br> $3730.56000<br> $3730.56000<br> $3730.56000<br> $3730.56000<br> $0.00000<br> $0.00000 | 25.000% | 33.300% | 66.700% | 50.000% | $932.64 | $22383.36 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $355693.49 | 6.750% | $2309.01 | $2755.81 | 2025-12-04 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,755.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,309.01 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $355,693.49.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2755.81 | $0.00 | $0.00 | 0 | 0 | 2025-12-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2755.81000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $114.83 | $2755.81 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $374451.73 | 8.750% | $2992.69 | $3679.04 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,679.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,992.69 with an interest rate of 8.750%. The current UPB reflected as per the payment history is $374,451.73. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3679.04 | $3679.04 | $3679.04 | $3679.04 | $0.00 | $0.00 | 0000 | 0000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3679.04000<br> $3679.04000<br> $3679.04000<br> $3679.04000<br> $0.00000<br> $0.00000 | 16.700% | 33.300% | 66.700% | 33.300% | $613.17 | $14716.16 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $900000.00 | 6.750% | $5837.38 |  | 2025-11-30 | 2026-01-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2026. According to the tape as of xx/xx/2025, the next due date is xx/xx/2026. The current xxis $5,837.38 with an interest rate of 6.750%. The current UPB reflected as per the tape is $900,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $388361.53 | 7.250% | $2670.72 | $3136.79 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,136.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,670.72 with an interest rate of 7.25%. The current UPB reflected as per the payment history is $388,361.53. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3136.79 | $0.00 | $3136.79 | $3136.79 | $3136.79 | $3136.79 | $3136.79 | $3136.79 | $3136.79 | $3136.79 | $3136.79 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3136.79000<br> $0.00000<br> $3136.79000<br> $3136.79000<br> $3136.79000<br> $3136.79000<br> $3136.79000<br> $3136.79000<br> $3136.79000<br> $3136.79000<br> $3136.79000<br> $0.00000<br> $0.00000 | 41.700% | 33.300% | 66.700% | 75.000% | $1307.00 | $31367.90 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $162337.46 | 6.875% | $1069.15 | $1163.18 | 2025-12-10 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,163.18 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,069.15 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $162,337.46. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1163.18 | $1163.18 | $1163.18 | $0.00 | $0.00 | 000 | 000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1163.18000<br> $1163.18000<br> $1163.18000<br> $0.00000<br> $0.00000 | 12.500% | 33.300% | 50.000% | 25.000% | $145.40 | $3489.54 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $419141.00 | 6.375% | $2614.89 |  | 2025-11-30 | 2026-01-01 | 0 | The loan was originated on xx/xx/2025 with a first payment date of xx/xx/2026. According to the tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The current xxis $2,614.89 with an interest rate of 6.375%. The current UPB reflected as per the tape is $419,141.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $389825.29 | 6.875% | $2627.72 | $3679.33 | 2025-11-30 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,679.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,627.72 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $389,825.29. | $3422.79 | $3422.79 | $3422.79 | $3422.79 | $3422.79 | $3422.79 | $3422.79 | $3422.79 | $3422.79 | $3422.79 | $3422.79 | $3422.79 | $3679.33 | $3679.33 | $3679.33 | $3679.33 | $3679.33 | $3679.33 | $3679.33 | $3679.33 | $3679.33 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-24 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3422.79000<br> $3422.79000<br> $3422.79000<br> $3422.79000<br> $3422.79000<br> $3422.79000<br> $3422.79000<br> $3422.79000<br> $3422.79000<br> $3422.79000<br> $3422.79000<br> $3422.79000<br> $3679.33000<br> $3679.33000<br> $3679.33000<br> $3679.33000<br> $3679.33000<br> $3679.33000<br> $3679.33000<br> $3679.33000<br> $3679.33000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.000% | 0.000% | 50.000% | 75.000% | $3091.14 | $74187.45 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $263970.94 | 7.125% | $1792.09 | $2290.07 | 2025-12-10 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,290.07 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,792.09 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $263,970.94. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2300.00 | $2290.07 | $2290.07 | $2290.07 | $2490.07 | $2390.07 | $2490.07 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2300.00000<br> $2290.07000<br> $2290.07000<br> $2290.07000<br> $2490.07000<br> $2390.07000<br> $2490.07000<br> $0.00000<br> $0.00000 | 30.100% | 36.200% | 70.300% | 60.200% | $689.18 | $16540.42 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $167376.58 | 5.500% | $1630.85 | $2346.50 | 2025-12-09 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,346.50 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,630.85 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $167,376.58. | $0.00 | $0.00 | $0.00 | $0.00 | $4595.84 | $2297.92 | $4595.84 | $4441.00 | $0.00 | $2143.08 | $2292.22 | $2292.22 | $2292.22 | $2292.22 | $2292.22 | $2292.22 | $2292.22 | $2292.22 | $2292.22 | $2346.50 | $0.00 | $2346.50 | $0.00 | $0.00 | 1000000000000001121MMMMM | MMMMM1211000000000000001 | 2025-12-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4595.84000<br> $2297.92000<br> $4595.84000<br> $4441.00000<br> $0.00000<br> $2143.08000<br> $2292.22000<br> $2292.22000<br> $2292.22000<br> $2292.22000<br> $2292.22000<br> $2292.22000<br> $2292.22000<br> $2292.22000<br> $2292.22000<br> $2346.50000<br> $0.00000<br> $2346.50000<br> $0.00000<br> $0.00000 | 77.100% | 33.300% | 49.600% | 73.700% | $1808.19 | $43396.66 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $77573.58 | 7.625% | $536.27 | $536.27 | 2025-12-04 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $536.27 (xx), which was applied for the due date of xx/xx/2025. The current xxis $536.27 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $77,573.58. | $0.00 | $0.00 | $0.00 | $536.27 | $624.44 | $536.27 | $536.27 | $536.27 | $536.27 | $536.27 | $536.27 | $536.27 | $536.27 | $536.27 | $536.27 | $536.27 | $536.27 | $536.27 | $536.27 | $536.27 | $536.27 | $536.27 | $0.00 | $0.00 | 0000000000000000000MMMMM | MMMMM0000000000000000000 | 2025-12-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $536.27000<br> $624.44000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $536.27000<br> $0.00000<br> $0.00000 | 79.900% | 33.300% | 66.700% | 83.300% | $428.22 | $10277.30 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $105381.69 | 4.250% | $666.55 | $1555.13 | 2025-11-17 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,555.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $666.55 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $105,381.69. | $1552.20 | $0.00 | $0.00 | $3104.40 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4656.60 | $0.00 | $3077.49 | $1555.13 | $3110.26 | $1555.13 | $0.00 | $0.00 | $1555.13 | $0.00 | $6220.52 | $0.00 | $0.00 | $0.00 | $0.00 | 032210011213214434322211 | 112223434412312110012230 | 2025-10-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1552.20000<br> $0.00000<br> $0.00000<br> $3104.40000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4656.60000<br> $0.00000<br> $3077.49000<br> $1555.13000<br> $3110.26000<br> $1555.13000<br> $0.00000<br> $0.00000<br> $1555.13000<br> $0.00000<br> $6220.52000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.700% | 0.000% | 66.700% | 75.000% | $1099.45 | $26386.86 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $22791.13 | 5.000% | $582.47 | $1407.59 | 2025-12-14 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,407.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $582.47 with an interest rate of 5.000%. The current UPB is $22,791.13. | $0.00 | $1012.21 | $1012.21 | $1012.21 | $1012.21 | $1012.21 | $1012.21 | $1012.21 | $1012.21 | $1353.31 | $1353.31 | $1353.31 | $1353.31 | $1353.31 | $1353.31 | $1407.59 | $1407.59 | $1407.59 | $1407.59 | $1407.59 | $1407.59 | $1407.59 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $1012.21000<br> $1012.21000<br> $1012.21000<br> $1012.21000<br> $1012.21000<br> $1012.21000<br> $1012.21000<br> $1012.21000<br> $1353.31000<br> $1353.31000<br> $1353.31000<br> $1353.31000<br> $1353.31000<br> $1353.31000<br> $1407.59000<br> $1407.59000<br> $1407.59000<br> $1407.59000<br> $1407.59000<br> $1407.59000<br> $1407.59000<br> $0.00000<br> $0.00000 | 77.200% | 33.300% | 66.700% | 82.400% | $1086.28 | $26070.67 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $122502.64 | 6.000% | $1425.45 | $2043.03 | 2025-12-09 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,043.03 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,425.45 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $122,502.64. | $3965.80 | $3965.80 | $0.00 | $3965.80 | $0.00 | $3965.80 | $3965.80 | $0.00 | $2024.51 | $0.00 | $4042.20 | $0.00 | $4042.20 | $0.00 | $2021.10 | $4042.20 | $2021.10 | $0.00 | $2021.10 | $2021.10 | $4042.20 | $2043.03 | $0.00 | $0.00 | 001110011010100001010122 | 221010100001010110011100 | 2025-12-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3965.80000<br> $3965.80000<br> $0.00000<br> $3965.80000<br> $0.00000<br> $3965.80000<br> $3965.80000<br> $0.00000<br> $2024.51000<br> $0.00000<br> $4042.20000<br> $0.00000<br> $4042.20000<br> $0.00000<br> $2021.10000<br> $4042.20000<br> $2021.10000<br> $0.00000<br> $2021.10000<br> $2021.10000<br> $4042.20000<br> $2043.03000<br> $0.00000<br> $0.00000 | 98.200% | 33.300% | 82.600% | 90.800% | $2006.24 | $48149.74 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $139886.41 | 6.500% | $1194.59 | $1362.65 | 2025-12-10 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,362.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,194.59 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $139,886.41. | $0.00 | $0.00 | $0.00 | $1362.91 | $1412.91 | $1387.91 | $1387.91 | $1387.91 | $1348.97 | $1348.97 | $1348.97 | $0.00 | $2697.94 | $1348.97 | $1348.97 | $1348.97 | $1348.97 | $1348.97 | $1348.97 | $1348.97 | $0.00 | $1362.65 | $0.00 | $0.00 | 100000000100000000MMMMMM | MMMMMM000000001000000001 | 2025-12-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $1362.91000<br> $1412.91000<br> $1387.91000<br> $1387.91000<br> $1387.91000<br> $1348.97000<br> $1348.97000<br> $1348.97000<br> $0.00000<br> $2697.94000<br> $1348.97000<br> $1348.97000<br> $1348.97000<br> $1348.97000<br> $1348.97000<br> $1348.97000<br> $1348.97000<br> $0.00000<br> $1362.65000<br> $0.00000<br> $0.00000 | 74.900% | 33.300% | 49.700% | 82.600% | $1020.41 | $24489.84 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $121705.06 | 6.000% | $1126.82 | $1850.93 | 2025-12-10 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,850.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,126.82 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $121,705.06. | $0.00 | $0.00 | $0.00 | $5187.36 | $0.00 | $1805.28 | $1805.28 | $1805.28 | $3610.56 | $0.00 | $3610.56 | $1805.28 | $1805.28 | $1805.28 | $1850.93 | $0.00 | $3701.86 | $1850.93 | $1850.93 | $1850.93 | $1850.93 | $0.00 | $0.00 | $0.00 | 00000100000101111021MMMM | MMMM12011110100000100000 | 2025-11-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $5187.36000<br> $0.00000<br> $1805.28000<br> $1805.28000<br> $1805.28000<br> $3610.56000<br> $0.00000<br> $3610.56000<br> $1805.28000<br> $1805.28000<br> $1805.28000<br> $1850.93000<br> $0.00000<br> $3701.86000<br> $1850.93000<br> $1850.93000<br> $1850.93000<br> $1850.93000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.500% | 0.000% | 50.000% | 74.600% | $1508.19 | $36196.67 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $73867.75 | 4.490% | $689.60 | $846.81 | 2025-12-02 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $846.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $689.60 with an interest rate of 4.490%. The current UPB reflected as per the payment history is $73,867.75. | $0.00 | $0.00 | $0.00 | $876.63 | $1800.00 | $0.00 | $900.00 | $900.00 | $900.00 | $900.00 | $900.00 | $0.00 | $1800.00 | $0.00 | $5457.02 | $1825.51 | $850.00 | $1696.81 | $850.00 | $0.00 | $850.00 | $850.00 | $0.00 | $0.00 | 0000000021100000000MMMMM | MMMMM0000000011200000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $876.63000<br> $1800.00000<br> $0.00000<br> $900.00000<br> $900.00000<br> $900.00000<br> $900.00000<br> $900.00000<br> $0.00000<br> $1800.00000<br> $0.00000<br> $5457.02000<br> $1825.51000<br> $850.00000<br> $1696.81000<br> $850.00000<br> $0.00000<br> $850.00000<br> $850.00000<br> $0.00000<br> $0.00000 | 105.100% | 33.500% | 50.200% | 139.500% | $889.83 | $21355.97 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $78876.41 | 6.000% | $551.16 | $652.04 | 2025-12-09 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $652.04 (xx), which was applied for the due date of xx/xx/2025. The current xxis $551.16 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $78,876.41. | $0.00 | $0.00 | $0.00 | $2879.16 | $0.00 | $0.00 | $0.00 | $2255.26 | $1000.00 | $3905.49 | $865.86 | $970.08 | $0.00 | $1949.82 | $975.52 | $0.00 | $927.96 | $700.00 | $0.00 | $1352.04 | $0.00 | $700.00 | $0.00 | $0.00 | 1101001001000200000321MM | MM1230000020001001001011 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $2879.16000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2255.26000<br> $1000.00000<br> $3905.49000<br> $865.86000<br> $970.08000<br> $0.00000<br> $1949.82000<br> $975.52000<br> $0.00000<br> $927.96000<br> $700.00000<br> $0.00000<br> $1352.04000<br> $0.00000<br> $700.00000<br> $0.00000<br> $0.00000 | 118.100% | 35.800% | 52.500% | 84.400% | $770.05 | $18481.19 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $41092.27 | 7.000% | $436.43 | $637.44 | 2025-12-03 | 2025-11-01 | 1 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $637.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $436.43 with an interest rate of 7.000%. The current UPB is $41,092.27. | $0.00 | $0.00 | $0.00 | $0.00 | $872.86 | $436.43 | $436.43 | $872.86 | $436.43 | $436.43 | $436.43 | $436.43 | $436.43 | $436.43 | $436.43 | $436.43 | $436.43 | $436.43 | $626.89 | $626.89 | $637.44 | $637.44 | $0.00 | $0.00 | 22221111111111223MMMMMMM | MMMMMMM32211111111112222 | 2025-12-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $872.86000<br> $436.43000<br> $436.43000<br> $872.86000<br> $436.43000<br> $436.43000<br> $436.43000<br> $436.43000<br> $436.43000<br> $436.43000<br> $436.43000<br> $436.43000<br> $436.43000<br> $436.43000<br> $626.89000<br> $626.89000<br> $637.44000<br> $637.44000<br> $0.00000<br> $0.00000 | 62.200% | 33.300% | 66.100% | 67.300% | $396.31 | $9511.54 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $96335.60 | 6.375% | $752.72 | $1597.84 | 2025-12-09 | 2025-11-01 | 1 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,597.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $752.72 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $96,335.60.<br> The due dates were adjusted from xx/xx/2024 to xx/xx/2025 due to modification. | $0.00 | $1533.87 | $0.00 | $0.00 | $1533.87 | $0.00 | $0.00 | $1533.87 | $1533.87 | $0.00 | $1552.98 | $0.00 | $1552.98 | $1552.06 | $1552.06 | $1552.06 | $1552.06 | $0.00 | $3104.12 | $1552.06 | $1597.84 | $0.00 | $0.00 | $0.00 | 111211111104444322100022 | 220001223444401111112111 | 2025-11-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $1533.87000<br> $0.00000<br> $0.00000<br> $1533.87000<br> $0.00000<br> $0.00000<br> $1533.87000<br> $1533.87000<br> $0.00000<br> $1552.98000<br> $0.00000<br> $1552.98000<br> $1552.06000<br> $1552.06000<br> $1552.06000<br> $1552.06000<br> $0.00000<br> $3104.12000<br> $1552.06000<br> $1597.84000<br> $0.00000<br> $0.00000<br> $0.00000 | 56.600% | 0.000% | 65.200% | 73.100% | $904.32 | $21703.70 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $100353.45 | 4.125% | $494.06 | $1198.23 | 2025-12-11 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,198.23 (xx), which was applied for the due date of xx/xx/2025. The current xxis $494.06 with an interest rate of 4.125%. The current UPB reflected as per the payment history is $100,353.45. As per the comment dated xx/xx/2024, the payments made in the month of August 2024 are BWR payments. | $1176.34 | $0.00 | $3789.14 | $0.00 | $0.00 | $9472.85 | $0.00 | $0.00 | $0.00 | $0.00 | $1433.16 | $0.00 | $0.00 | $7330.50 | $1198.23 | $0.00 | $0.00 | $3594.69 | $0.00 | $1198.23 | $0.00 | $3594.69 | $0.00 | $0.00 | 021102100432210003212111 | 111212300012234001201120 | 2025-12-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1176.34000<br> $0.00000<br> $3789.14000<br> $0.00000<br> $0.00000<br> $9472.85000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1433.16000<br> $0.00000<br> $0.00000<br> $7330.50000<br> $1198.23000<br> $0.00000<br> $0.00000<br> $3594.69000<br> $0.00000<br> $1198.23000<br> $0.00000<br> $3594.69000<br> $0.00000<br> $0.00000 | 114.000% | 100.000% | 66.700% | 117.600% | $1366.16 | $32787.83 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $61923.64 | 5.500% | $383.22 | $657.79 | 2025-12-10 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $657.79 (xx), which was applied for the due date of xx/xx/2025. The current xxis $383.22 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $61,923.64.<br>| $428.31 | $428.31 | $428.31 | $428.31 | $428.31 | $428.31 | $428.31 | $428.31 | $428.31 | $428.31 | $638.11 | $638.11 | $638.11 | $638.11 | $638.11 | $638.11 | $638.11 | $638.11 | $657.79 | $657.79 | $657.79 | $657.79 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $428.31000<br> $428.31000<br> $428.31000<br> $428.31000<br> $428.31000<br> $428.31000<br> $428.31000<br> $428.31000<br> $428.31000<br> $428.31000<br> $638.11000<br> $638.11000<br> $638.11000<br> $638.11000<br> $638.11000<br> $638.11000<br> $638.11000<br> $638.11000<br> $657.79000<br> $657.79000<br> $657.79000<br> $657.79000<br> $0.00000<br> $0.00000 | 76.100% | 33.300% | 66.700% | 81.800% | $500.80 | $12019.14 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $22205.25 | 5.090% | $208.49 | $300.00 | 2025-12-05 | 2025-11-18 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $300.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $208.49 with an interest rate of 5.090%. The current UPB reflected as per the payment history is $22,205.25. | $0.00 | $0.00 | $0.00 | $283.22 | $566.44 | $283.22 | $300.00 | $283.22 | $283.22 | $276.46 | $276.46 | $276.46 | $276.46 | $276.46 | $276.46 | $276.46 | $276.46 | $276.46 | $503.26 | $300.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1000000000000000011MMMMM | MMMMM1100000000000000001 | 2025-10-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $283.22000<br> $566.44000<br> $283.22000<br> $300.00000<br> $283.22000<br> $283.22000<br> $276.46000<br> $276.46000<br> $276.46000<br> $276.46000<br> $276.46000<br> $276.46000<br> $276.46000<br> $276.46000<br> $276.46000<br> $503.26000<br> $300.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.500% | 0.000% | 44.600% | 68.400% | $220.45 | $5290.72 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $22123.01 | 8.840% | $457.08 | $544.08 | 2025-12-10 | 2026-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $544.08 (xx), which was applied for the due date of xx/xx/2026. The current xxis $457.08 with an interest rate of 8.840%. The current UPB reflected as per the payment history is $22,123.01. | $647.67 | $647.67 | $0.00 | $0.00 | $0.00 | $0.00 | $1284.34 | $642.17 | $564.41 | $564.41 | $564.41 | $0.00 | $564.41 | $0.00 | $0.00 | $0.00 | $3869.55 | $0.00 | $1444.66 | $0.00 | $2000.00 | $2000.00 | $0.00 | $0.00 | 000000443221111121MM0001 | 1000MM121111122344000000 | 2025-12-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $647.67000<br> $647.67000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1284.34000<br> $642.17000<br> $564.41000<br> $564.41000<br> $564.41000<br> $0.00000<br> $564.41000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3869.55000<br> $0.00000<br> $1444.66000<br> $0.00000<br> $2000.00000<br> $2000.00000<br> $0.00000<br> $0.00000 | 113.300% | 122.500% | 166.800% | 151.300% | $616.40 | $14793.70 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $43839.42 | 8.800% | $513.68 | $590.89 | 2025-12-10 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $590.89 (xx), which was applied for the due date of xx/xx/2025. The current xxis $513.68 with an interest rate of 8.800%. The current UPB reflected as per the payment history is $43,839.42. | $0.00 | $0.00 | $0.00 | $0.00 | $513.68 | $0.00 | $1027.36 | $513.68 | $590.89 | $0.00 | $590.89 | $0.00 | $590.89 | $590.89 | $590.89 | $590.89 | $1181.78 | $590.89 | $1181.78 | $590.89 | $0.00 | $590.89 | $0.00 | $0.00 | 10011222221100010MMMMMMM | MMMMMMM01000112222211001 | 2025-12-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $513.68000<br> $0.00000<br> $1027.36000<br> $513.68000<br> $590.89000<br> $0.00000<br> $590.89000<br> $0.00000<br> $590.89000<br> $590.89000<br> $590.89000<br> $590.89000<br> $1181.78000<br> $590.89000<br> $1181.78000<br> $590.89000<br> $0.00000<br> $590.89000<br> $0.00000<br> $0.00000 | 68.700% | 33.300% | 66.700% | 91.700% | $405.68 | $9736.29 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $24414.11 | 6.250% | $411.44 | $601.71 | 2025-12-14 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $601.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $411.44 with an interest rate of 6.250%. The current UPB, reflected as per the payment history, is $24,414.11. | $550.00 | $555.00 | $555.00 | $548.84 | $548.84 | $565.00 | $560.00 | $560.00 | $565.00 | $620.00 | $630.00 | $630.00 | $620.00 | $620.00 | $620.00 | $605.00 | $605.00 | $620.00 | $620.00 | $610.00 | $603.00 | $610.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $550.00000<br> $555.00000<br> $555.00000<br> $548.84000<br> $548.84000<br> $565.00000<br> $560.00000<br> $560.00000<br> $565.00000<br> $620.00000<br> $630.00000<br> $630.00000<br> $620.00000<br> $620.00000<br> $620.00000<br> $605.00000<br> $605.00000<br> $620.00000<br> $620.00000<br> $610.00000<br> $603.00000<br> $610.00000<br> $0.00000<br> $0.00000 | 90.200% | 33.800% | 67.700% | 84.900% | $542.53 | $13020.68 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $26434.38 | 7.000% | $1739.29 | $1739.29 | 2025-12-04 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,739.29, which was applied for the due date of xx/xx/2025. The current xxis $1,739.29 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $26,434.38. | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $1739.29 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $1739.29000<br> $0.00000<br> $0.00000 | 91.700% | 33.300% | 66.700% | 83.300% | $1594.35 | $38264.38 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $324636.84 | 5.500% | $2345.58 | $3737.94 | 2025-12-05 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,737.94 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,345.58 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $324,636.84. The deferred balance is $679,472.59. | $3582.36 | $3582.36 | $3582.36 | $3582.36 | $3582.36 | $3582.36 | $3582.36 | $3582.36 | $3582.36 | $3606.72 | $3603.62 | $3603.62 | $3603.62 | $3603.62 | $3603.62 | $3673.31 | $3673.31 | $3673.31 | $3673.31 | $3673.31 | $3673.31 | $3737.94 | $0.00 | $0.00 | 111111111111111111111111 | 111111111111111111111111 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3582.36000<br> $3582.36000<br> $3582.36000<br> $3582.36000<br> $3582.36000<br> $3582.36000<br> $3582.36000<br> $3582.36000<br> $3582.36000<br> $3606.72000<br> $3603.62000<br> $3603.62000<br> $3603.62000<br> $3603.62000<br> $3603.62000<br> $3673.31000<br> $3673.31000<br> $3673.31000<br> $3673.31000<br> $3673.31000<br> $3673.31000<br> $3737.94000<br> $0.00000<br> $0.00000 | 88.800% | 33.300% | 65.800% | 81.600% | $3318.49 | $79643.86 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $268225.16 | 6.940% | $1810.54 | $2317.84 | 2025-12-11 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,317.84 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,810.54 with an interest rate of 6.940%. The current UPB reflected as per the payment history is $268,225.16. The subject loan was modified in xx/xx/2024 and the deferred balance is in the amount of $115,166.79. | $2154.84 | $2154.84 | $0.00 | $0.00 | $2154.84 | $6464.52 | $2154.84 | $2154.84 | $0.00 | $4134.02 | $2067.01 | $2067.01 | $2067.01 | $0.00 | $2862.84 | $2317.84 | $2317.84 | $2317.84 | $2317.84 | $2317.84 | $4635.68 | $2317.84 | $0.00 | $0.00 | 001111111000010002210004 | 400012200010000111111100 | 2025-12-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2154.84000<br> $2154.84000<br> $0.00000<br> $0.00000<br> $2154.84000<br> $6464.52000<br> $2154.84000<br> $2154.84000<br> $0.00000<br> $4134.02000<br> $2067.01000<br> $2067.01000<br> $2067.01000<br> $0.00000<br> $2862.84000<br> $2317.84000<br> $2317.84000<br> $2317.84000<br> $2317.84000<br> $2317.84000<br> $4635.68000<br> $2317.84000<br> $0.00000<br> $0.00000 | 88.000% | 33.300% | 83.300% | 84.400% | $2040.81 | $48979.33 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $253737.31 | 6.125% | $1586.24 | $2348.57 | 2025-12-10 | 2025-09-01 | 3 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,348.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,586.24 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $253,737.31.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2279.89 | $2279.89 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2239.59 | $2239.59 | $0.00 | $0.00 | $0.00 | $0.00 | $6820.75 | $2348.57 | $0.00 | $0.00 | $0.00 | 334432111444444444443221 | 122344444444444111234433 | 2025-11-28 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2279.89000<br> $2279.89000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2239.59000<br> $2239.59000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6820.75000<br> $2348.57000<br> $0.00000<br> $0.00000<br> $0.00000 | 32.300% | 0.000% | 65.100% | 48.400% | $758.68 | $18208.28 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $126451.86 | 4.875% | $747.65 | $1007.74 | 2025-12-02 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,007.74 (xx), which was applied for the due date of xx/xx/2025. The current xxis $747.65 with an interest rate of 4.875%. The current UPB is $126,451.86. The deferred balance is $67,607.70. | $0.00 | $3033.15 | $0.00 | $0.00 | $1011.05 | $2003.36 | $2003.36 | $1001.68 | $1001.68 | $1016.34 | $0.00 | $0.00 | $0.00 | $0.00 | $1007.74 | $1007.74 | $1007.74 | $1007.74 | $1007.74 | $1007.74 | $1007.74 | $4030.96 | $0.00 | $0.00 | 444444443210000122102101 | 101201221000012344444444 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $3033.15000<br> $0.00000<br> $0.00000<br> $1011.05000<br> $2003.36000<br> $2003.36000<br> $1001.68000<br> $1001.68000<br> $1016.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1007.74000<br> $1007.74000<br> $1007.74000<br> $1007.74000<br> $1007.74000<br> $1007.74000<br> $1007.74000<br> $4030.96000<br> $0.00000<br> $0.00000 | 91.600% | 133.300% | 116.700% | 91.700% | $923.16 | $22155.76 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $33161.03 | 5.500% | $194.87 | $234.91 | 2025-12-01 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $234.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $194.87 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $33,161.03. | $249.08 | $249.08 | $249.08 | $249.08 | $249.08 | $249.08 | $249.08 | $249.08 | $249.08 | $249.08 | $0.00 | $373.11 | $373.11 | $484.30 | $242.15 | $242.15 | $242.15 | $242.15 | $242.15 | $242.15 | $242.15 | $0.00 | $0.00 | $0.00 | 000000001110000000000000 | 000000000000011100000000 | 2025-11-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $249.08000<br> $249.08000<br> $249.08000<br> $249.08000<br> $249.08000<br> $249.08000<br> $249.08000<br> $249.08000<br> $249.08000<br> $249.08000<br> $0.00000<br> $373.11000<br> $373.11000<br> $484.30000<br> $242.15000<br> $242.15000<br> $242.15000<br> $242.15000<br> $242.15000<br> $242.15000<br> $242.15000<br> $0.00000<br> $0.00000<br> $0.00000 | 96.100% | 0.000% | 51.500% | 90.500% | $225.68 | $5416.37 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $41059.70 | 9.000% | $331.79 | $486.50 | 2025-12-09 | 2025-10-01 | 2 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $486.50 (xx), which was applied for the due date of xx/xx/2025. The current xxis $331.79 with an interest rate of 9.000%. The current UPB reflected as per the payment history is $41,059.70. | $410.36 | $410.36 | $411.57 | $411.57 | $411.57 | $411.57 | $411.57 | $0.00 | $411.57 | $411.57 | $411.57 | $823.14 | $0.00 | $411.57 | $411.57 | $0.00 | $803.23 | $0.00 | $1696.40 | $486.50 | $486.50 | $0.00 | $0.00 | $0.00 | 222322111011110000000000 | 000000000011110111223222 | 2025-11-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $410.36000<br> $410.36000<br> $411.57000<br> $411.57000<br> $411.57000<br> $411.57000<br> $411.57000<br> $0.00000<br> $411.57000<br> $411.57000<br> $411.57000<br> $823.14000<br> $0.00000<br> $411.57000<br> $411.57000<br> $0.00000<br> $803.23000<br> $0.00000<br> $1696.40000<br> $486.50000<br> $486.50000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.100% | 0.000% | 91.400% | 73.600% | $384.67 | $9232.19 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $128908.34 | 6.610% | $773.61 | $1169.13 | 2025-12-04 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,169.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $773.61 with an interest rate of 6.610%. The current UPB reflected as per the payment history is $128,908.34. | $1931.18 | $965.59 | $0.00 | $965.59 | $0.00 | $965.59 | $1931.18 | $965.59 | $790.77 | $876.70 | $876.70 | $876.70 | $876.70 | $876.70 | $1080.07 | $1080.07 | $1080.07 | $1080.07 | $1080.07 | $1080.07 | $1080.07 | $1169.13 | $0.00 | $0.00 | 000000000000000011000000 | 000000110000000000000000 | 2025-12-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1931.18000<br> $965.59000<br> $0.00000<br> $965.59000<br> $0.00000<br> $965.59000<br> $1931.18000<br> $965.59000<br> $790.77000<br> $876.70000<br> $876.70000<br> $876.70000<br> $876.70000<br> $876.70000<br> $1080.07000<br> $1080.07000<br> $1080.07000<br> $1080.07000<br> $1080.07000<br> $1080.07000<br> $1080.07000<br> $1169.13000<br> $0.00000<br> $0.00000 | 77.100% | 33.300% | 62.900% | 74.700% | $901.19 | $21628.61 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $100766.49 | 7.000% | $699.03 | $1204.80 | 2025-12-05 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,204.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $699.03 with an interest rate of 7.000%. The current UPB, reflected as per the payment history, is $100,766.49. As per tape data, the deferred balance is $25,338.27. | $2811.60 | $1405.80 | $1405.80 | $2811.60 | $1405.80 | $1405.80 | $1405.80 | $1405.80 | $1192.51 | $2399.25 | $0.00 | $1206.47 | $1204.80 | $1204.80 | $1204.80 | $2409.60 | $0.00 | $1204.80 | $1204.80 | $2409.60 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000111211 | 112111000000000000000000 | 2025-10-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2811.60000<br> $1405.80000<br> $1405.80000<br> $2811.60000<br> $1405.80000<br> $1405.80000<br> $1405.80000<br> $1405.80000<br> $1192.51000<br> $2399.25000<br> $0.00000<br> $1206.47000<br> $1204.80000<br> $1204.80000<br> $1204.80000<br> $2409.60000<br> $0.00000<br> $1204.80000<br> $1204.80000<br> $2409.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 102.700% | 0.000% | 50.000% | 75.000% | $1237.48 | $29699.43 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $16309.74 | 6.750% | $369.48 | $614.32 | 2025-12-04 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $614.32 (xx), which was applied for the due date of xx/xx/2025. The current xxis $369.48 with an interest rate of 6.750%. The current UPB is $16,309.74. | $0.00 | $661.28 | $661.28 | $661.28 | $0.00 | $0.00 | $661.28 | $0.00 | $661.28 | $0.00 | $0.00 | $796.90 | $429.07 | $264.06 | $265.55 | $267.04 | $268.55 | $270.06 | $271.58 | $273.10 | $274.64 | $276.18 | $0.00 | $0.00 | 000000000001444444444444 | 444444444444100000000000 | 2025-12-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $661.28000<br> $661.28000<br> $661.28000<br> $0.00000<br> $0.00000<br> $661.28000<br> $0.00000<br> $661.28000<br> $0.00000<br> $0.00000<br> $796.90000<br> $429.07000<br> $264.06000<br> $265.55000<br> $267.04000<br> $268.55000<br> $270.06000<br> $271.58000<br> $273.10000<br> $274.64000<br> $276.18000<br> $0.00000<br> $0.00000 | 47.200% | 15.000% | 29.700% | 38.800% | $290.13 | $6963.13 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $275461.14 | 6.750% | $2739.13 | $3451.17 | 2025-12-10 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,451.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,739.13 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $275,461.14 and the deferred balance is $93,630.06. | $3467.20 | $3467.20 | $3467.20 | $3467.20 | $3467.20 | $3467.20 | $3467.20 | $3467.20 | $3467.20 | $3467.20 | $3456.17 | $3456.17 | $3456.17 | $3456.17 | $3456.17 | $3451.17 | $3451.17 | $3451.17 | $3451.17 | $3451.17 | $3451.17 | $3451.17 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3467.20000<br> $3467.20000<br> $3467.20000<br> $3467.20000<br> $3467.20000<br> $3467.20000<br> $3467.20000<br> $3467.20000<br> $3467.20000<br> $3467.20000<br> $3456.17000<br> $3456.17000<br> $3456.17000<br> $3456.17000<br> $3456.17000<br> $3451.17000<br> $3451.17000<br> $3451.17000<br> $3451.17000<br> $3451.17000<br> $3451.17000<br> $3451.17000<br> $0.00000<br> $0.00000 | 91.900% | 33.300% | 66.700% | 83.400% | $3171.29 | $76111.04 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $38262.83 | 6.870% | $525.27 | $737.25 | 2025-12-02 | 2025-11-01 | 1 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $737.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $525.27 with an interest rate of 6.87%. The current UPB reflected as per the payment history is $38,262.83. | $675.23 | $675.23 | $0.00 | $675.23 | $0.00 | $2795.84 | $698.96 | $698.96 | $0.00 | $1397.92 | $0.00 | $714.80 | $2159.04 | $0.00 | $729.44 | $1458.88 | $0.00 | $0.00 | $729.44 | $729.44 | $1474.50 | $0.00 | $0.00 | $0.00 | 122210110221211143322210 | 012223341112122011012221 | 2025-11-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $675.23000<br> $675.23000<br> $0.00000<br> $675.23000<br> $0.00000<br> $2795.84000<br> $698.96000<br> $698.96000<br> $0.00000<br> $1397.92000<br> $0.00000<br> $714.80000<br> $2159.04000<br> $0.00000<br> $729.44000<br> $1458.88000<br> $0.00000<br> $0.00000<br> $729.44000<br> $729.44000<br> $1474.50000<br> $0.00000<br> $0.00000<br> $0.00000 | 88.200% | 0.000% | 66.300% | 82.300% | $650.54 | $15612.91 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $163898.59 | 4.000% | $822.08 | $1516.26 | 2025-12-05 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,516.26 (xx), which was applied for the due date of xx/xx/2025. The current xxis $822.08 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $163,898.59 and the deferred amount is $26,289.28. | $1206.58 | $1206.58 | $1206.58 | $0.00 | $2413.16 | $1206.58 | $1226.78 | $1226.78 | $1226.78 | $1226.78 | $1464.94 | $0.00 | $2981.20 | $1516.26 | $1516.26 | $1516.26 | $0.00 | $3032.52 | $1516.26 | $1516.26 | $1516.26 | $0.00 | $0.00 | $0.00 | 000010000100000001000012 | 210000100000001000010000 | 2025-11-25 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1206.58000<br> $1206.58000<br> $1206.58000<br> $0.00000<br> $2413.16000<br> $1206.58000<br> $1226.78000<br> $1226.78000<br> $1226.78000<br> $1226.78000<br> $1464.94000<br> $0.00000<br> $2981.20000<br> $1516.26000<br> $1516.26000<br> $1516.26000<br> $0.00000<br> $3032.52000<br> $1516.26000<br> $1516.26000<br> $1516.26000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.900% | 0.000% | 50.000% | 83.100% | $1196.78 | $28722.82 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $81825.28 | 8.870% | $704.27 | $1095.44 | 2025-12-05 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,095.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $704.27 with an interest rate of 8.87%. The current UPB reflected as per the payment history is $81,825.28, and the deferred balance is $267.19.<br>| $0.00 | $2154.44 | $0.00 | $0.00 | $2145.78 | $0.00 | $0.00 | $0.00 | $5364.45 | $1075.56 | $1075.56 | $1075.56 | $2148.45 | $3644.30 | $1095.44 | $1095.44 | $1095.44 | $1095.44 | $1095.44 | $1095.44 | $1095.44 | $0.00 | $0.00 | $0.00 | 000000000233334444443434 | 434344444433332000000000 | 2025-11-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $2154.44000<br> $0.00000<br> $0.00000<br> $2145.78000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5364.45000<br> $1075.56000<br> $1075.56000<br> $1075.56000<br> $2148.45000<br> $3644.30000<br> $1095.44000<br> $1095.44000<br> $1095.44000<br> $1095.44000<br> $1095.44000<br> $1095.44000<br> $1095.44000<br> $0.00000<br> $0.00000<br> $0.00000 | 100.200% | 0.000% | 50.000% | 102.400% | $1098.01 | $26352.18 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $309923.82 | 4.875% | $1924.63 | $2387.45 | 2025-12-10 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,387.45 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,924.63 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $309,923.82. | $2366.63 | $0.00 | $4733.26 | $2366.63 | $2366.63 | $4733.26 | $0.00 | $2366.63 | $2488.52 | $2387.96 | $2387.24 | $2387.24 | $4652.59 | $2387.24 | $2387.24 | $2387.45 | $2387.45 | $2387.45 | $2387.45 | $2387.45 | $2387.45 | $2387.45 | $0.00 | $0.00 | 000000000011111101112111 | 111211101111110000000000 | 2025-12-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2366.63000<br> $0.00000<br> $4733.26000<br> $2366.63000<br> $2366.63000<br> $4733.26000<br> $0.00000<br> $2366.63000<br> $2488.52000<br> $2387.96000<br> $2387.24000<br> $2387.24000<br> $4652.59000<br> $2387.24000<br> $2387.24000<br> $2387.45000<br> $2387.45000<br> $2387.45000<br> $2387.45000<br> $2387.45000<br> $2387.45000<br> $2387.45000<br> $0.00000<br> $0.00000 | 95.500% | 33.300% | 66.700% | 91.200% | $2280.13 | $54723.22 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $233085.66 | 7.000% | $2386.59 | $3351.42 | 2025-12-05 | 2026-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,351.42 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,386.59 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $233,085.66. | $3138.00 | $3138.00 | $3138.00 | $3138.00 | $3138.00 | $3138.00 | $3126.92 | $3126.92 | $3126.92 | $3126.92 | $3126.92 | $3126.92 | $3196.58 | $3196.58 | $3196.58 | $3351.42 | $12351.42 | $9351.42 | $3351.42 | $3351.42 | $0.00 | $3351.42 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3138.00000<br> $3138.00000<br> $3138.00000<br> $3138.00000<br> $3138.00000<br> $3138.00000<br> $3126.92000<br> $3126.92000<br> $3126.92000<br> $3126.92000<br> $3126.92000<br> $3126.92000<br> $3196.58000<br> $3196.58000<br> $3196.58000<br> $3351.42000<br> $12351.42000<br> $9351.42000<br> $3351.42000<br> $3351.42000<br> $0.00000<br> $3351.42000<br> $0.00000<br> $0.00000 | 102.300% | 33.300% | 50.000% | 111.100% | $3428.66 | $82287.78 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $397264.56 | 4.625% | $2172.24 | $2824.44 | 2025-11-30 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,824.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,172.24 with an interest rate of 4.625%. The current UPB reflected as per the payment history is $397,264.56. | $0.00 | $5055.72 | $2647.78 | $2650.00 | $2527.86 | $2527.86 | $0.00 | $5055.72 | $2748.32 | $2802.15 | $2802.15 | $2802.15 | $2802.15 | $2802.15 | $0.00 | $5604.30 | $2824.44 | $0.00 | $5648.88 | $2824.44 | $0.00 | $0.00 | $0.00 | $0.00 | 100100100000001000000010 | 010000000100000001001001 | 2025-10-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $5055.72000<br> $2647.78000<br> $2650.00000<br> $2527.86000<br> $2527.86000<br> $0.00000<br> $5055.72000<br> $2748.32000<br> $2802.15000<br> $2802.15000<br> $2802.15000<br> $2802.15000<br> $2802.15000<br> $0.00000<br> $5604.30000<br> $2824.44000<br> $0.00000<br> $5648.88000<br> $2824.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.800% | 0.000% | 50.000% | 66.400% | $2255.25 | $54126.07 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $314516.73 | 7.125% | $2280.04 | $2647.80 | 2025-12-02 | 2025-11-01 | 1 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,647.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,280.04 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $314,516.73. | $2999.54 | $5999.08 | $2615.81 | $5231.62 | $2615.81 | $2615.81 | $2615.81 | $0.00 | $2615.81 | $2590.24 | $2647.80 | $5295.60 | $0.00 | $5295.60 | $2647.80 | $0.00 | $5295.60 | $2647.80 | $0.00 | $2647.80 | $2647.80 | $0.00 | $0.00 | $0.00 | 111001001011110000112213 | 312211000011110100100111 | 2025-11-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2999.54000<br> $5999.08000<br> $2615.81000<br> $5231.62000<br> $2615.81000<br> $2615.81000<br> $2615.81000<br> $0.00000<br> $2615.81000<br> $2590.24000<br> $2647.80000<br> $5295.60000<br> $0.00000<br> $5295.60000<br> $2647.80000<br> $0.00000<br> $5295.60000<br> $2647.80000<br> $0.00000<br> $2647.80000<br> $2647.80000<br> $0.00000<br> $0.00000<br> $0.00000 | 92.900% | 0.000% | 33.300% | 66.700% | $2459.39 | $59025.33 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $178296.76 | 7.000% | $1157.93 | $1317.09 | 2025-11-27 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,317.09 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,157.93 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $178,296.76. | $1283.94 | $1283.94 | $1283.94 | $1283.94 | $1283.94 | $1283.94 | $1283.94 | $1283.94 | $1301.22 | $1301.22 | $1301.22 | $1301.22 | $1308.13 | $1308.13 | $1308.13 | $1308.13 | $1308.13 | $1308.13 | $1308.13 | $1317.09 | $1317.09 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-27 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1283.94000<br> $1283.94000<br> $1283.94000<br> $1283.94000<br> $1283.94000<br> $1283.94000<br> $1283.94000<br> $1283.94000<br> $1301.22000<br> $1301.22000<br> $1301.22000<br> $1301.22000<br> $1308.13000<br> $1308.13000<br> $1308.13000<br> $1308.13000<br> $1308.13000<br> $1308.13000<br> $1308.13000<br> $1317.09000<br> $1317.09000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.300% | 0.000% | 49.900% | 74.600% | $1136.15 | $27267.49 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $163257.59 | 8.875% | $1301.90 | $1925.21 | 2025-12-09 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,925.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,301.90 with an interest rate of 8.875%. The current UPB reflected as per the payment history is $163,257.59. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1180.34 | $2360.68 | $0.00 | $1925.88 | $1925.54 | $1925.21 | $0.00 | $0.00 | 000444444444444444444444 | 444444444444444444444000 | 2025-12-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1180.34000<br> $2360.68000<br> $0.00000<br> $1925.88000<br> $1925.54000<br> $1925.21000<br> $0.00000<br> $0.00000 | 20.200% | 33.300% | 50.000% | 40.300% | $388.24 | $9317.65 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $152315.37 | 6.290% | $1186.25 | $1867.20 | 2025-12-05 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,867.20 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,186.25 with an interest rate of 6.290%. The current UPB reflected as per the payment history is $152,315.37. | $2730.50 | $0.00 | $1383.17 | $2766.34 | $1383.17 | $1383.17 | $0.00 | $2766.34 | $1383.17 | $1383.17 | $1383.17 | $1383.17 | $1780.86 | $1780.86 | $1780.86 | $1780.86 | $1780.86 | $1780.86 | $1867.20 | $1867.20 | $1867.20 | $0.00 | $0.00 | $0.00 | 000000000000001000110111 | 111011000100000000000000 | 2025-11-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2730.50000<br> $0.00000<br> $1383.17000<br> $2766.34000<br> $1383.17000<br> $1383.17000<br> $0.00000<br> $2766.34000<br> $1383.17000<br> $1383.17000<br> $1383.17000<br> $1383.17000<br> $1780.86000<br> $1780.86000<br> $1780.86000<br> $1780.86000<br> $1780.86000<br> $1780.86000<br> $1867.20000<br> $1867.20000<br> $1867.20000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.400% | 0.000% | 50.000% | 72.700% | $1426.34 | $34232.13 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $248011.03 | 7.375% | $1681.21 | $2613.16 | 2025-12-05 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,613.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,681.21 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $248,011.03. | $3006.18 | $1503.09 | $1503.09 | $1503.09 | $0.00 | $0.00 | $0.00 | $4507.51 | $2877.30 | $1712.07 | $1746.38 | $1746.38 | $1746.38 | $2613.16 | $2613.16 | $2613.16 | $2613.16 | $2613.16 | $2613.16 | $2613.16 | $2613.16 | $2613.16 | $0.00 | $0.00 | 000000000000000132100011 | 110001231000000000000000 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3006.18000<br> $1503.09000<br> $1503.09000<br> $1503.09000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4507.51000<br> $2877.30000<br> $1712.07000<br> $1746.38000<br> $1746.38000<br> $1746.38000<br> $2613.16000<br> $2613.16000<br> $2613.16000<br> $2613.16000<br> $2613.16000<br> $2613.16000<br> $2613.16000<br> $2613.16000<br> $2613.16000<br> $0.00000<br> $0.00000 | 72.300% | 33.300% | 66.700% | 80.600% | $1890.41 | $45369.91 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $199268.80 | 6.000% | $1204.48 | $1951.30 | 2025-12-02 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,951.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,204.48 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $199,268.80. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1953.57 | $1953.57 | $0.00 | $1951.30 | $1951.30 | $1951.30 | $1951.30 | $1951.30 | $1951.30 | $0.00 | $0.00 | 000000000444444444444432 | 234444444444444000000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1953.57000<br> $1953.57000<br> $0.00000<br> $1951.30000<br> $1951.30000<br> $1951.30000<br> $1951.30000<br> $1951.30000<br> $1951.30000<br> $0.00000<br> $0.00000 | 33.300% | 33.300% | 66.700% | 66.700% | $650.62 | $15614.94 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $235724.35 | 7.375% | $1532.70 | $2285.91 | 2025-12-04 | 2025-09-01 | 3 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,285.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,532.70 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $235,724.35. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2285.91 | $6857.73 | $0.00 | $0.00 | $0.00 | $0.00 | $2285.91 | $2285.91 | $0.00 | $0.00 | $0.00 | $0.00 | 322210000444444444444444 | 444444444444444000012223 | 2025-10-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2285.91000<br> $6857.73000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2285.91000<br> $2285.91000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 33.300% | 50.000% | $571.48 | $13715.46 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $383425.27 | 3.750% | $1618.73 | $2025.21 | 2025-11-30 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,025.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,618.73 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $383,425.27. | $2115.28 | $2181.52 | $2181.52 | $2181.52 | $2181.52 | $2181.52 | $2181.52 | $2181.52 | $2181.52 | $2181.52 | $2181.52 | $2181.52 | $2025.21 | $2025.21 | $2025.21 | $2025.21 | $2025.21 | $2025.21 | $2025.21 | $2025.21 | $2025.21 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2115.28000<br> $2181.52000<br> $2181.52000<br> $2181.52000<br> $2181.52000<br> $2181.52000<br> $2181.52000<br> $2181.52000<br> $2181.52000<br> $2181.52000<br> $2181.52000<br> $2181.52000<br> $2025.21000<br> $2025.21000<br> $2025.21000<br> $2025.21000<br> $2025.21000<br> $2025.21000<br> $2025.21000<br> $2025.21000<br> $2025.21000<br> $0.00000<br> $0.00000<br> $0.00000 | 91.200% | 0.000% | 50.000% | 75.000% | $1847.45 | $44338.89 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $70189.98 | 7.070% | $455.46 | $1400.96 | 2025-12-05 | 2025-11-01 | 1 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,400.96 (xx), which was applied for the due date of xx/xx/2025. The current xxis $455.46 with an interest rate of 7.070%. The current UPB reflected as per the payment history is $70,189.98, and the deferred balance is $165.36. | $1364.89 | $1364.89 | $1364.89 | $1400.00 | $0.00 | $1364.89 | $1364.89 | $1364.89 | $1364.89 | $0.00 | $2441.82 | $1158.78 | $1271.84 | $1400.96 | $1400.96 | $1400.96 | $1400.96 | $1400.96 | $1400.96 | $0.00 | $0.00 | $1400.96 | $0.00 | $0.00 | 210000000022111110000000 | 000000011111220000000012 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1364.89000<br> $1364.89000<br> $1364.89000<br> $1400.00000<br> $0.00000<br> $1364.89000<br> $1364.89000<br> $1364.89000<br> $1364.89000<br> $0.00000<br> $2441.82000<br> $1158.78000<br> $1271.84000<br> $1400.96000<br> $1400.96000<br> $1400.96000<br> $1400.96000<br> $1400.96000<br> $1400.96000<br> $0.00000<br> $0.00000<br> $1400.96000<br> $0.00000<br> $0.00000 | 76.200% | 33.300% | 33.300% | 65.900% | $1068.06 | $25633.39 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $169391.90 | 5.000% | $864.58 | $1687.08 | 2025-12-11 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,687.08 (xx), which was applied for the due date of xx/xx/2025. The current xxis $864.58 with an interest rate of 5.000%. The current UPB reflected as per the payment history is $169,391.90. | $1415.89 | $1415.89 | $1415.89 | $1415.89 | $1415.89 | $1415.89 | $1415.89 | $1415.89 | $1415.89 | $1271.38 | $1271.38 | $1271.38 | $1633.35 | $1633.35 | $1633.35 | $1687.08 | $1687.08 | $1687.08 | $1687.08 | $1687.08 | $1687.08 | $1687.08 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1415.89000<br> $1415.89000<br> $1415.89000<br> $1415.89000<br> $1415.89000<br> $1415.89000<br> $1415.89000<br> $1415.89000<br> $1415.89000<br> $1271.38000<br> $1271.38000<br> $1271.38000<br> $1633.35000<br> $1633.35000<br> $1633.35000<br> $1687.08000<br> $1687.08000<br> $1687.08000<br> $1687.08000<br> $1687.08000<br> $1687.08000<br> $1687.08000<br> $0.00000<br> $0.00000 | 82.200% | 33.300% | 66.700% | 82.500% | $1386.12 | $33266.76 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $227088.51 | 5.125% | $1755.46 | $2231.24 | 2025-12-10 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,231.24 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,755.46 with an interest rate of 5.125%. The current UPB reflected as per the payment history is $227,088.51. The deferred balance is $37,407.87. | $2406.10 | $2406.10 | $2406.10 | $0.00 | $2406.10 | $0.00 | $2406.10 | $2406.10 | $0.00 | $0.00 | $2406.10 | $0.00 | $0.00 | $19251.56 | $0.00 | $2231.24 | $2231.24 | $2231.24 | $2231.24 | $2231.24 | $2231.24 | $2231.24 | $0.00 | $0.00 | 000000000444432221100001 | 100001122234444000000000 | 2025-12-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2406.10000<br> $2406.10000<br> $2406.10000<br> $0.00000<br> $2406.10000<br> $0.00000<br> $2406.10000<br> $2406.10000<br> $0.00000<br> $0.00000<br> $2406.10000<br> $0.00000<br> $0.00000<br> $19251.56000<br> $0.00000<br> $2231.24000<br> $2231.24000<br> $2231.24000<br> $2231.24000<br> $2231.24000<br> $2231.24000<br> $2231.24000<br> $0.00000<br> $0.00000 | 96.600% | 33.300% | 66.700% | 130.200% | $2154.71 | $51712.94 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $304313.43 | 3.000% | $1955.32 | $2407.52 | 2025-12-10 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2407.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,955.32 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $304,313.43 and the deferred balance is $60,946.40. | $2724.28 | $2724.28 | $5448.56 | $2724.28 | $2724.28 | $2724.28 | $5448.56 | $2724.28 | $2724.28 | $2695.68 | $2695.68 | $2695.68 | $2695.68 | $2695.68 | $2695.68 | $2407.52 | $2407.52 | $2407.52 | $2407.52 | $2407.52 | $0.00 | $2407.52 | $0.00 | $0.00 | 100000000000000111122211 | 112221111000000000000001 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2724.28000<br> $2724.28000<br> $5448.56000<br> $2724.28000<br> $2724.28000<br> $2724.28000<br> $5448.56000<br> $2724.28000<br> $2724.28000<br> $2695.68000<br> $2695.68000<br> $2695.68000<br> $2695.68000<br> $2695.68000<br> $2695.68000<br> $2407.52000<br> $2407.52000<br> $2407.52000<br> $2407.52000<br> $2407.52000<br> $0.00000<br> $2407.52000<br> $0.00000<br> $0.00000 | 104.900% | 33.300% | 50.000% | 78.000% | $2524.43 | $60586.28 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $181288.40 | 5.000% | $917.80 | $1927.20 | 2025-12-15 | 2025-04-01 | 8 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,927.20 (xx), which was applied for the due date of xx/xx/2025. The current xxis $917.80 with an interest rate of 5.00%. The current UPB reflected as per the payment history is $181,288.40, and the deferred balance is $47,059.14. | $0.00 | $2406.26 | $1203.13 | $1203.13 | $1203.13 | $1203.13 | $1203.13 | $1203.13 | $1203.13 | $1300.00 | $0.00 | $0.00 | $0.00 | $1986.66 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1927.20 | $0.00 | $1927.20 | $0.00 | $0.00 | 444444443321000000000100 | 001000000000123344444444 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $2406.26000<br> $1203.13000<br> $1203.13000<br> $1203.13000<br> $1203.13000<br> $1203.13000<br> $1203.13000<br> $1203.13000<br> $1300.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1986.66000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1927.20000<br> $0.00000<br> $1927.20000<br> $0.00000<br> $0.00000 | 38.900% | 33.300% | 33.300% | 25.300% | $748.72 | $17969.23 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $438340.35 | 6.250% | $3785.52 | $4326.39 | 2025-12-11 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,326.39 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,785.52 with an interest rate of 6.25%. The current UPB reflected as per the payment history is $438,340.35. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6000.00 | $0.00 | $0.00 | 0 | 0 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6000.00000<br> $0.00000<br> $0.00000 | 5.800% | 46.200% | 23.100% | 11.600% | $250.00 | $6000.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $240512.01 | 6.625% | $1552.75 | $2361.51 | 2025-12-31 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,361.51 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,552.75 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $240,512.01. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2361.51 | $2361.51 | $2861.51 | $2511.51 | $2611.51 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-11-19 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2361.51000<br> $2361.51000<br> $2861.51000<br> $2511.51000<br> $2611.51000<br> $0.00000<br> $0.00000<br> $0.00000 | 22.400% | 0.000% | 56.400% | 44.800% | $529.48 | $12707.55 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $596108.00 | 5.375% | $3539.02 | $4637.17 | 2025-12-09 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,637.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,539.02 with an interest rate of 5.375%. The current UPB reflected as per the payment history is $596,108.00. | $0.00 | $0.00 | $0.00 | $0.00 | $834.41 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $119033.08 | $0.00 | $0.00 | 044444444444444444432100 | 001234444444444444444440 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $834.41000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $119033.08000<br> $0.00000<br> $0.00000 | 107.700% | 855.600% | 427.800% | 213.900% | $4994.48 | $119867.49 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $708057.33 | 7.375% | $4917.06 | $6265.40 | 2025-12-08 | 2025-11-01 | 1 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,265.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,917.06 with an interest rate of 7.375%. The current UPB is $708,057.33. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6265.40 | $0.00 | $12530.80 | $0.00 | $6265.40 | $6265.40 | $12530.80 | $0.00 | $0.00 | $0.00 | 12221211 | 11212221 | 2025-11-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6265.40000<br> $0.00000<br> $12530.80000<br> $0.00000<br> $6265.40000<br> $6265.40000<br> $12530.80000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 66.700% | 58.300% | $1827.41 | $43857.80 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $2477386.91 | 6.625% | $16007.78 | $19050.75 | 2025-12-08 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $19,050.75 (xx), which was applied for the due date of xx/xx/2025. The current xxis $16,007.78 with an interest rate of 6.625%. The current UPB is $2,477,386.91. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $18003.40 | $18003.40 | $0.00 | $36006.80 | $19050.75 | $19050.75 | $19050.75 | $19050.75 | $19050.75 | $19050.75 | $0.00 | $0.00 | $0.00 | 0000000100 | 0010000000 | 2025-11-19 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $18003.40000<br> $18003.40000<br> $0.00000<br> $36006.80000<br> $19050.75000<br> $19050.75000<br> $19050.75000<br> $19050.75000<br> $19050.75000<br> $19050.75000<br> $0.00000<br> $0.00000<br> $0.00000 | 40.800% | 0.000% | 50.000% | 73.600% | $7763.25 | $186318.10 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $117658.72 | 6.500% | $758.49 | $2053.37 | 2025-12-08 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,053.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $758.49 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $117,658.72. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4263.13 | $3080.05 | $2053.37 | $2053.37 | $2053.37 | $0.00 | $2053.37 | $2053.37 | $0.00 | $4106.74 | $0.00 | $0.00 | $0.00 | 0100000000 | 0000000010 | 2025-11-13 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4263.13000<br> $3080.05000<br> $2053.37000<br> $2053.37000<br> $2053.37000<br> $0.00000<br> $2053.37000<br> $2053.37000<br> $0.00000<br> $4106.74000<br> $0.00000<br> $0.00000<br> $0.00000 | 44.100% | 0.000% | 50.000% | 70.800% | $904.87 | $21716.77 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $496351.29 | 7.775% | $3590.71 | $3590.71 | 2025-12-09 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,590.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,590.71 with an interest rate of 7.775%. The current UPB reflected as per the payment history is $496,351.29. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $58.00 | $3590.71 | $0.00 | $0.00 | 0 | 0 | 2025-12-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $58.00000<br> $3590.71000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.900% | 8.500% | $152.03 | $3648.71 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $456032.36 | 7.990% | $3381.28 | $4063.69 | 2025-12-08 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,063.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,381.28 with an interest rate of 7.990%. The current UPB is $456,032.36. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4063.00 | $4063.00 | $4063.00 | $4063.00 | $4063.00 | $4063.00 | $4063.00 | $4063.00 | $4063.00 | $4063.00 | $4063.00 | $4063.00 | $4121.93 | $4121.93 | $4121.93 | $4063.69 | $0.00 | $0.00 | $0.00 | 0000000000000000 | 0000000000000000 | 2025-11-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4063.00000<br> $4063.00000<br> $4063.00000<br> $4063.00000<br> $4063.00000<br> $4063.00000<br> $4063.00000<br> $4063.00000<br> $4063.00000<br> $4063.00000<br> $4063.00000<br> $4063.00000<br> $4121.93000<br> $4121.93000<br> $4121.93000<br> $4063.69000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.800% | 0.000% | 50.500% | 75.400% | $2716.06 | $65185.48 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $478557.86 | 6.875% | $3195.31 | $3527.16 | 2025-12-08 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,527.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,195.31 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $478,557.86. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3376.02 | $3376.02 | $3376.02 | $3376.02 | $3376.02 | $3376.02 | $3376.02 | $3915.09 | $3299.01 | $3526.31 | $3527.16 | $3527.16 | $3527.16 | $3527.16 | $3527.16 | $3527.16 | $3527.16 | $0.00 | $0.00 | 00000000000000000 | 00000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3376.02000<br> $3376.02000<br> $3376.02000<br> $3376.02000<br> $3376.02000<br> $3376.02000<br> $3376.02000<br> $3915.09000<br> $3299.01000<br> $3526.31000<br> $3527.16000<br> $3527.16000<br> $3527.16000<br> $3527.16000<br> $3527.16000<br> $3527.16000<br> $3527.16000<br> $0.00000<br> $0.00000 | 69.800% | 33.300% | 66.700% | 83.700% | $2460.94 | $59062.67 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $390421.69 | 6.500% | $2502.99 | $2800.69 | 2025-12-08 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,800.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,502.99 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $390,421.69.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2753.20 | $2753.20 | $2753.20 | $2753.20 | $2753.20 | $2753.20 | $2753.20 | $2753.20 | $2753.20 | $2753.20 | $2753.20 | $2800.69 | $2800.69 | $2800.69 | $2800.69 | $0.00 | $0.00 | 000000000000000 | 000000000000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2753.20000<br> $2753.20000<br> $2753.20000<br> $2753.20000<br> $2753.20000<br> $2753.20000<br> $2753.20000<br> $2753.20000<br> $2753.20000<br> $2753.20000<br> $2753.20000<br> $2800.69000<br> $2800.69000<br> $2800.69000<br> $2800.69000<br> $0.00000<br> $0.00000 | 61.700% | 33.300% | 66.700% | 82.500% | $1728.67 | $41487.96 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $667323.55 | 6.990% | $4492.91 | $6294.72 | 2025-12-11 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $6,294.72 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,492.91 with an interest rate of 6.990%. The current UPB, reflected as per the payment history, is $667,323.55. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5765.22 | $5765.22 | $11135.00 | $0.00 | $5567.50 | $5567.50 | $5567.50 | $5567.50 | $5567.50 | $5567.50 | $5567.50 | $5567.50 | $5567.50 | $5567.50 | $6294.72 | $0.00 | $0.00 | 000000000000000 | 000000000000000 | 2025-12-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5765.22000<br> $5765.22000<br> $11135.00000<br> $0.00000<br> $5567.50000<br> $5567.50000<br> $5567.50000<br> $5567.50000<br> $5567.50000<br> $5567.50000<br> $5567.50000<br> $5567.50000<br> $5567.50000<br> $5567.50000<br> $6294.72000<br> $0.00000<br> $0.00000 | 56.000% | 33.300% | 60.900% | 74.700% | $3526.47 | $84635.16 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $395571.13 | 2.875% | $1858.72 | $2564.97 | 2025-12-09 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,564.97 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,858.72 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $395,571.13. | $2722.51 | $2722.51 | $2722.51 | $2580.22 | $2580.22 | $2580.22 | $2580.22 | $2580.22 | $2580.22 | $2580.22 | $2580.22 | $2580.22 | $2580.22 | $2580.22 | $2580.22 | $2564.97 | $2564.97 | $2564.97 | $2564.97 | $2564.97 | $2564.97 | $2564.97 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2722.51000<br> $2722.51000<br> $2722.51000<br> $2580.22000<br> $2580.22000<br> $2580.22000<br> $2580.22000<br> $2580.22000<br> $2580.22000<br> $2580.22000<br> $2580.22000<br> $2580.22000<br> $2580.22000<br> $2580.22000<br> $2580.22000<br> $2564.97000<br> $2564.97000<br> $2564.97000<br> $2564.97000<br> $2564.97000<br> $2564.97000<br> $2564.97000<br> $0.00000<br> $0.00000 | 92.700% | 33.300% | 66.700% | 83.500% | $2378.54 | $57084.96 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $132698.98 | 6.500% | $853.30 | $1471.13 | 2025-12-12 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,471.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $853.30 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $132,698.98 and the deferred balance is $8,617.36. | $0.00 | $0.00 | $0.00 | $0.00 | $853.30 | $853.30 | $853.30 | $853.30 | $0.00 | $1706.60 | $0.00 | $853.30 | $0.00 | $0.00 | $0.00 | $0.00 | $6817.02 | $0.00 | $0.00 | $0.00 | $0.00 | $1471.13 | $0.00 | $0.00 | 0MM210443211010000 | 000010112344012MM0 | 2025-12-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $853.30000<br> $853.30000<br> $853.30000<br> $853.30000<br> $0.00000<br> $1706.60000<br> $0.00000<br> $853.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6817.02000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1471.13000<br> $0.00000<br> $0.00000 | 40.400% | 33.300% | 16.700% | 46.900% | $594.22 | $14261.25 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $357755.00 | 5.500% | $2966.02 | $3256.47 | 2025-12-08 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,256.47 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,966.02 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $357,755.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3256.47 | $3256.47 | $6512.94 | $0.00 | $0.00 | $0.00 | 0111 | 1110 | 2025-11-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3256.47000<br> $3256.47000<br> $6512.94000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 66.700% | 33.300% | $542.75 | $13025.88 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $235915.51 | 7.500% | $1657.14 | $2106.21 | 2025-12-12 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,106.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,657.14 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $235,915.51.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2102.13 | $4218.16 | $2200.00 | $2200.00 | $0.00 | $0.00 | 00011 | 11000 | 2025-12-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2102.13000<br> $4218.16000<br> $2200.00000<br> $2200.00000<br> $0.00000<br> $0.00000 | 21.200% | 34.800% | 84.800% | 42.400% | $446.68 | $10720.29 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $79762.81 | 3.990% | $333.72 | $782.52 | 2025-12-08 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $782.52 (xx), which was applied for the due date of xx/xx/2025. The current xxis $333.72 with an interest rate of 3.990%. The current UPB reflected as per the payment history is $79,762.81. | $0.00 | $594.59 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $594.59 | $594.59 | $1189.18 | $0.00 | $777.24 | $782.52 | $782.52 | $0.00 | $0.00 | $0.00 | 000444444444444444321000 | 000123444444444444444000 | 2025-11-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $594.59000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $594.59000<br> $594.59000<br> $1189.18000<br> $0.00000<br> $777.24000<br> $782.52000<br> $782.52000<br> $0.00000<br> $0.00000<br> $0.00000 | 28.300% | 0.000% | 49.900% | 50.300% | $221.47 | $5315.23 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $309642.52 | 6.990% | $2077.31 | $2077.31 | 2025-12-08 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,077.31, which was applied for the due date of xx/xx/2025. The current xxis $2,077.31 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $309,642.52. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2077.31 | $2077.31 | $2077.31 | $2077.31 | $2077.31 | $2077.31 | $2077.31 | $2077.31 | $2077.31 | $2077.31 | $2077.31 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2077.31000<br> $2077.31000<br> $2077.31000<br> $2077.31000<br> $2077.31000<br> $2077.31000<br> $2077.31000<br> $2077.31000<br> $2077.31000<br> $2077.31000<br> $2077.31000<br> $0.00000<br> $0.00000 | 45.800% | 33.300% | 66.700% | 83.300% | $952.10 | $22850.41 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx |  | 6.625% | $3345.62 | $4247.93 | 2025-12-12 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,247.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,345.62 with an interest rate of 6.625%. The current UPB is not available in xxper tape data, the current UPB is $522,500.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4247.93 | $0.00 | $0.00 | 0 | 0 | 2025-12-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4247.93000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $177.00 | $4247.93 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $422037.64 | 6.875% | $2777.17 | $3361.67 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,361.67 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,777.17 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $422,037.64. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3361.67 | $3361.67 | $0.00 | $0.00 | 00 | 00 | 2025-12-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3361.67000<br> $3361.67000<br> $0.00000<br> $0.00000 | 8.300% | 33.300% | 33.300% | 16.700% | $280.14 | $6723.34 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $453946.77 | 3.990% | $2166.67 | $2845.14 | 2025-12-16 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,845.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,166.76 with an interest rate of 3.990%. The current UPB reflected as per the payment history is $453,946.77. <br> As per the buydown agreement located at "xx" the monthly xxhas been reduced from $2,721.44 to $2,166.76 and the interest rate has been reduced from 5.990% to 3.990%. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2845.14 | $0.00 | $0.00 | 0 | 0 | 2025-12-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2845.14000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $118.55 | $2845.14 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $684621.81 | 3.125% | $3255.65 | $4161.24 | 2025-12-03 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,161.24 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,255.65 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $684,621.81. | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $4161.24 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $4161.24000<br> $0.00000<br> $0.00000 | 91.700% | 33.300% | 66.700% | 83.300% | $3814.47 | $91547.28 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $225461.50 | 4.875% | $1270.10 | $1917.39 | 2026-01-09 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,917.39 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,270.10 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $225,461.50. | $1917.39 | $1917.39 | $1917.39 | $0.00 | $1917.39 | $0.00 | $1917.39 | $1917.39 | $1917.39 | $1917.39 | $1917.39 | $0.00 | $1917.39 | $0.00 | $1917.39 | $0.00 | $1917.39 | $1917.39 | $1917.39 | $1917.39 | $1917.39 | $1917.39 | $1917.39 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1917.39000<br> $1917.39000<br> $1917.39000<br> $0.00000<br> $1917.39000<br> $0.00000<br> $1917.39000<br> $1917.39000<br> $1917.39000<br> $1917.39000<br> $1917.39000<br> $0.00000<br> $1917.39000<br> $0.00000<br> $1917.39000<br> $0.00000<br> $1917.39000<br> $1917.39000<br> $1917.39000<br> $1917.39000<br> $1917.39000<br> $1917.39000<br> $1917.39000<br> $0.00000 | 75.000% | 66.700% | 83.300% | 75.000% | $1438.04 | $34513.02 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $213233.29 | 5.000% | $1268.24 | $1854.31 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,854.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,268.24 with an interest rate of 5.000%. The current UPB reflected as per the payment history is $213,233.29. | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $1854.31 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-17 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $1854.31000<br> $0.00000<br> $0.00000 | 91.700% | 33.300% | 66.700% | 83.300% | $1699.78 | $40794.82 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $345116.83 | 8.125% | $2572.75 | $3246.14 | 2025-12-03 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,246.14 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,572.75 with an interest rate of 8.125%. The current UPB reflected as per the payment history is $345,116.83. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3246.14 | $0.00 | $3246.14 | $3246.14 | $3246.14 | $3246.14 | $3246.14 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3246.14000<br> $0.00000<br> $3246.14000<br> $3246.14000<br> $3246.14000<br> $3246.14000<br> $3246.14000<br> $0.00000<br> $0.00000 | 25.000% | 33.300% | 66.700% | 50.000% | $811.54 | $19476.84 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $329772.90 | 7.875% | $2392.73 | $3140.13 | 2026-01-07 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,140.13 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,392.73 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $329,772.90. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3140.13 | $0.00 | $0.00 | 0 | 0 | 2025-12-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3140.13000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $130.84 | $3140.13 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $517500.00 | 6.500% | $2803.13 | $3188.80 | 2025-12-29 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,188.80 (xx), which was applied for the due date of xx/xx/2025. The current interest-only payment is $2,803.13 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $517,500.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3188.80 | $0.00 | $0.00 | 0 | 0 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3188.80000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $132.87 | $3188.80 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $659497.79 | 7.375% | $4558.46 | $5639.76 | 2026-01-05 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $5,639.76 (xx), which was applied for the due date of xx/xx/2026. The current xxis $4,558.46 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $659,497.79. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5639.76 | $0.00 | 0 | 0 | 2026-01-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5639.76000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $234.99 | $5639.76 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $291706.14 | 7.000% | $1817.69 | $2533.69 | 2025-12-31 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,533.69 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,817.69 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $291,706.14. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2533.69 | $2533.69 | $2533.69 | $2533.69 | $2533.69 | $2533.69 | $2533.69 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2533.69000<br> $2533.69000<br> $2533.69000<br> $2533.69000<br> $2533.69000<br> $2533.69000<br> $2533.69000<br> $0.00000<br> $0.00000 | 29.200% | 33.300% | 66.700% | 58.300% | $738.99 | $17735.83 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $207698.09 | 3.500% | $1010.35 | $1010.35 | 2026-01-08 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,010.35 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,010.35 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $207,698.09. | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1010.35 | $1110.35 | $1110.35 | $1110.35 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1010.35000<br> $1110.35000<br> $1110.35000<br> $1110.35000<br> $0.00000 | 97.100% | 73.300% | 88.300% | 94.100% | $980.75 | $23538.05 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $94462.67 | 6.625% | $607.01 | $607.01 | 2026-01-08 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $607.01 (xx), which was applied for the due date of xx/xx/2026. The current xxis $607.01 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $94,462.67. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $607.01 | $607.01 | $607.01 | $607.01 | $0.00 | 0000 | 0000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $607.01000<br> $607.01000<br> $607.01000<br> $607.01000<br> $0.00000 | 16.700% | 66.700% | 66.700% | 33.300% | $101.17 | $2428.04 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $314018.35 | 2.625% | $1392.72 | $1730.15 | 2026-01-08 | 2026-03-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,730.15 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,392.72 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $314,018.35. | $1600.00 | $1600.00 | $1600.00 | $1600.00 | $1600.00 | $1600.00 | $1600.00 | $0.00 | $4800.00 | $0.00 | $1600.00 | $3200.00 | $0.00 | $3340.00 | $0.00 | $1800.15 | $3600.30 | $1800.15 | $3600.30 | $0.00 | $1800.15 | $1800.15 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1600.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $1600.00000<br> $0.00000<br> $4800.00000<br> $0.00000<br> $1600.00000<br> $3200.00000<br> $0.00000<br> $3340.00000<br> $0.00000<br> $1800.15000<br> $3600.30000<br> $1800.15000<br> $3600.30000<br> $0.00000<br> $1800.15000<br> $1800.15000<br> $0.00000<br> $0.00000 | 92.800% | 34.700% | 69.400% | 85.500% | $1605.88 | $38541.20 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $336130.00 | 3.375% | $1574.97 |  | 2025-11-30 | 2026-01-01 | 0 | According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. Unable to determine the last payment received. The current xxis $1,574.97 with an interest rate of 3.375%. The current UPB reflected as per tape data is $336,130.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $634035.24 | 6.875% | $3884.19 | $6386.53 | 2026-01-23 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $6,386.53 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,884.19 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $634,035.24. The due dates were advanced from xx/xx/2025 to xx/xx/2026 due to loan modification. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5909.09 | $5909.09 | $0.00 | $0.00 | $6125.31 | $0.00 | $6125.31 | $0.00 | $6125.31 | $6125.31 | $0.00 | $0.00 | $6341.53 | $0.00 | $5909.09 | $5909.09 | $0.00 | $6386.53 | $0.00 | 044444444443322100 | 001223344444444440 | 2026-01-23 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5909.09000<br> $5909.09000<br> $0.00000<br> $0.00000<br> $6125.31000<br> $0.00000<br> $6125.31000<br> $0.00000<br> $6125.31000<br> $6125.31000<br> $0.00000<br> $0.00000<br> $6341.53000<br> $0.00000<br> $5909.09000<br> $5909.09000<br> $0.00000<br> $6386.53000<br> $0.00000 | 39.700% | 33.300% | 47.500% | 48.000% | $2536.07 | $60865.66 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $294464.15 | 6.490% | $1862.66 | $1862.66 | 2025-12-16 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,862.66, which was applied for the due date of xx/xx/2025. The current xxis $1,862.66 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $294,464.15. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3725.32 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-11-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3725.32000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $155.22 | $3725.32 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $250250.00 | 5.625% | $1440.58 |  | 2025-12-16 | 2026-02-01 | 0 | The subject loan was originated on xx/xx/2025, and the first payment date is xx/xx/2026. As per the tape as of xx/xx/2025, the next due date is xx/xx/2026. The current xxis $3,602.39 with an interest rate of 6.625%. The current UPB is $250,250.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $162946.39 | 6.490% | $1048.14 | $1316.01 | 2025-12-16 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,316.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,048.14 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $162,946.39.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1868.41 | $0.00 | $3132.02 | $0.00 | $1616.01 | $1666.01 | $1566.01 | $0.00 | $0.00 | 0000001 | 1000000 | 2025-12-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1868.41000<br> $0.00000<br> $3132.02000<br> $0.00000<br> $1616.01000<br> $1666.01000<br> $1566.01000<br> $0.00000<br> $0.00000 | 31.200% | 39.700% | 61.400% | 62.400% | $410.35 | $9848.46 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $580737.17 | 6.625% | $3721.81 | $4831.19 | 2025-12-23 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,831.19 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,721.81 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $580,737.17. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4831.19 | $0.00 | $0.00 | 0 | 0 | 2025-12-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4831.19000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $201.30 | $4831.19 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $354701.29 | 6.875% | $2334.07 | $2625.87 | 2026-01-05 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,625.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,334.07 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $354,701.29. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2625.87 | $2625.87 | $0.00 | $0.00 | 00 | 00 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2625.87000<br> $2625.87000<br> $0.00000<br> $0.00000 | 8.300% | 33.300% | 33.300% | 16.700% | $218.82 | $5251.74 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $436575.26 | 6.125% | $2655.26 | $2900.01 | 2026-01-05 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2900.01 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,655.26 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $436,575.26. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2900.01 | $0.00 | $0.00 | 0 | 0 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2900.01000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $120.83 | $2900.01 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $701328.71 | 6.490% | $4440.39 | $5566.39 | 2026-01-05 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $5,566.39 (xx), which was applied for the due date of xx/xx/2026. The current xxis $4,440.39 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $701,328.71. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5566.39 | $0.00 | $11132.78 | $0.00 | $0.00 | 000 | 000 | 2025-12-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5566.39000<br> $0.00000<br> $11132.78000<br> $0.00000<br> $0.00000 | 12.500% | 66.700% | 50.000% | 25.000% | $695.80 | $16699.17 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $94636.62 | 6.250% | $584.93 | $761.63 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $761.63 (xx), which was applied for the due date of xx/xx/2025. The current xxis $584.93 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $94,636.62. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $761.63 | $761.63 | $761.63 | $761.63 | $0.00 | $0.00 | 0000 | 0000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $761.63000<br> $761.63000<br> $761.63000<br> $761.63000<br> $0.00000<br> $0.00000 | 16.700% | 33.300% | 66.700% | 33.300% | $126.94 | $3046.52 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $367859.12 | 5.550% | $2167.64 | $2650.17 | 2025-12-18 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,650.17 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,167.64 with an interest rate of 5.550%. The current UPB reflected as per the payment history is $367,859.12. | $2605.92 | $2605.92 | $2605.92 | $2605.92 | $2605.92 | $2605.92 | $2605.92 | $2605.92 | $2605.92 | $2605.92 | $2605.92 | $2650.17 | $2650.17 | $2650.17 | $2650.17 | $2650.17 | $2650.17 | $2650.17 | $2650.17 | $2650.17 | $2650.17 | $2650.17 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2605.92000<br> $2605.92000<br> $2605.92000<br> $2605.92000<br> $2605.92000<br> $2605.92000<br> $2605.92000<br> $2605.92000<br> $2605.92000<br> $2605.92000<br> $2605.92000<br> $2650.17000<br> $2650.17000<br> $2650.17000<br> $2650.17000<br> $2650.17000<br> $2650.17000<br> $2650.17000<br> $2650.17000<br> $2650.17000<br> $2650.17000<br> $2650.17000<br> $0.00000<br> $0.00000 | 90.900% | 33.300% | 66.700% | 83.300% | $2409.04 | $57816.99 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $149524.07 | 6.475% | $947.84 | $1630.81 | 2025-12-17 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,630.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $947.84 with an interest rate of 6.475%. The current UPB, reflected as per the payment history, is $149,524.07. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1712.56 | $1730.81 | $1760.81 | $0.00 | $0.00 | 000 | 000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1712.56000<br> $1730.81000<br> $1760.81000<br> $0.00000<br> $0.00000 | 13.300% | 36.000% | 53.200% | 26.600% | $216.84 | $5204.18 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $175605.68 | 7.500% | $1230.62 | $1635.96 | 2025-12-18 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,635.96 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,230.62 with an interest rate of 7.50%. The current UPB reflected as per the payment history is $175,605.68. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3271.92 | $0.00 | $1635.96 | $0.00 | $0.00 | 000 | 000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3271.92000<br> $0.00000<br> $1635.96000<br> $0.00000<br> $0.00000 | 12.500% | 33.300% | 50.000% | 25.000% | $204.50 | $4907.88 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $276228.93 | 7.125% | $1862.49 | $2104.49 | 2026-01-02 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,104.49 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,862.49 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $276,228.93. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2104.49 | $0.00 | $0.00 | 0 | 0 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2104.49000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $87.69 | $2104.49 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $332924.82 | 7.750% | $2426.85 |  | 2025-12-18 | 2026-02-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2026. According to tape data as of xx/xx/2025, the next due date is xx/xx/2026. The current xxis $2,426.85 with an interest rate of 7.750%. The current UPB reflected as per the tape data is $332,924.82. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5826.18 | $0.00 | $0.00 | 0 | 0 |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5826.18000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $242.76 | $5826.18 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $358718.96 | 6.625% | $2305.12 | $2527.74 | 2026-01-07 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,527.74 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,305.12 with an interest rate of 6.625%. The current UPB is $358,718.96. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2527.74 | $2527.74 | $2527.74 | $2527.74 | $0.00 | 0000 | 0000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2527.74000<br> $2527.74000<br> $2527.74000<br> $2527.74000<br> $0.00000 | 16.700% | 66.700% | 66.700% | 33.300% | $421.29 | $10110.96 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $226922.24 | 6.250% | $1433.39 | $1929.20 | 2026-01-02 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,929.20 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,433.39 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $226,922.24. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3858.40 | $0.00 | $6324.48 | $2248.10 | $1929.20 | $0.00 | 00000 | 00000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3858.40000<br> $0.00000<br> $6324.48000<br> $2248.10000<br> $1929.20000<br> $0.00000 | 31.000% | 72.200% | 124.100% | 62.000% | $598.34 | $14360.18 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $47433.12 | 6.375% | $310.38 | $385.33 | 2025-12-31 | 2026-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $385.33 (xx), which was applied for the due date of xx/xx/2026. The current xxis $310.38 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $47,433.12. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $385.33 | $1185.66 | $1185.33 | $0.00 | $1570.66 | $0.00 | $0.00 | 00000 | 00000 | 2025-12-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $385.33000<br> $1185.66000<br> $1185.33000<br> $0.00000<br> $1570.66000<br> $0.00000<br> $0.00000 | 46.800% | 135.900% | 170.500% | 93.600% | $180.29 | $4326.98 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $113270.47 | 6.500% | $720.56 | $864.82 | 2026-01-02 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $864.82 (xx), which was applied for the due date of xx/xx/2025. The current xxis $720.56 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $113,270.47. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $864.82 | $0.00 | $864.82 | $864.82 | $864.82 | $864.82 | $864.82 | $0.00 | $0.00 | 000000 | 000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $864.82000<br> $0.00000<br> $864.82000<br> $864.82000<br> $864.82000<br> $864.82000<br> $864.82000<br> $0.00000<br> $0.00000 | 25.000% | 33.300% | 66.700% | 50.000% | $216.21 | $5188.92 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $314431.00 | 4.250% | $2036.63 | $2935.17 | 2026-01-01 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,935.17 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,036.63. The current UPB reflected as per the payment history is $314,431.00. | $2782.12 | $2782.12 | $5564.24 | $0.00 | $2782.12 | $5666.84 | $0.00 | $2884.72 | $5769.44 | $2884.72 | $2884.72 | $2884.72 | $0.00 | $2884.72 | $5769.44 | $0.00 | $2884.72 | $5819.89 | $0.00 | $5870.34 | $0.00 | $0.00 | $5870.34 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2782.12000<br> $2782.12000<br> $5564.24000<br> $0.00000<br> $2782.12000<br> $5666.84000<br> $0.00000<br> $2884.72000<br> $5769.44000<br> $2884.72000<br> $2884.72000<br> $2884.72000<br> $0.00000<br> $2884.72000<br> $5769.44000<br> $0.00000<br> $2884.72000<br> $5819.89000<br> $0.00000<br> $5870.34000<br> $0.00000<br> $0.00000<br> $5870.34000<br> $0.00000 | 93.700% | 66.700% | 66.700% | 82.600% | $2749.38 | $65985.21 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $246468.85 | 6.625% | $1600.78 | $1600.78 | 2026-01-02 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,600.78, which was applied for the due date of xx/xx/2025. The current xxis $1,600.78 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $246,468.85. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1800.78 | $1800.78 | $1800.78 | $1800.78 | $1850.78 | $1800.78 | $1800.78 | $1850.78 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-12-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1800.78000<br> $1800.78000<br> $1800.78000<br> $1800.78000<br> $1850.78000<br> $1800.78000<br> $1800.78000<br> $1850.78000<br> $0.00000<br> $0.00000 | 37.800% | 38.500% | 76.000% | 75.500% | $604.43 | $14506.24 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $218367.88 | 4.875% | $1309.00 | $2158.64 | 2026-01-07 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,158.64 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,309.00 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $218,367.88. | $2080.44 | $2080.44 | $2080.44 | $2080.44 | $2080.44 | $2080.44 | $2080.44 | $2080.44 | $2080.44 | $2080.44 | $2080.44 | $2217.74 | $2217.74 | $2217.74 | $2217.74 | $2217.74 | $2217.74 | $2217.74 | $2217.74 | $2217.74 | $2217.74 | $2217.74 | $2217.74 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2080.44000<br> $2080.44000<br> $2080.44000<br> $2080.44000<br> $2080.44000<br> $2080.44000<br> $2080.44000<br> $2080.44000<br> $2080.44000<br> $2080.44000<br> $2080.44000<br> $2217.74000<br> $2217.74000<br> $2217.74000<br> $2217.74000<br> $2217.74000<br> $2217.74000<br> $2217.74000<br> $2217.74000<br> $2217.74000<br> $2217.74000<br> $2217.74000<br> $2217.74000<br> $0.00000 | 95.500% | 68.500% | 85.600% | 94.200% | $2062.41 | $49497.72 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $486604.10 | 6.750% | $3167.10 | $4068.21 | 2025-12-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,068.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,167.10 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $486,604.10. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4068.21 | $4068.21 | $4068.21 | $4068.21 | $0.00 | $0.00 | 0000 | 0000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4068.21000<br> $4068.21000<br> $4068.21000<br> $4068.21000<br> $0.00000<br> $0.00000 | 16.700% | 33.300% | 66.700% | 33.300% | $678.04 | $16272.84 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $182481.29 | 3.000% | $881.86 | $881.86 | 2026-02-17 | 2026-04-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $881.86 (xx), which was applied for the due date of xx/xx/2026. The current xxis $881.86 with an interest rate of 3.000%. The current UPB is $182,481.29. | $1134.64 | $1134.64 | $1144.62 | $1144.62 | $1159.64 | $881.86 | $881.86 | $881.86 | $881.86 | $881.86 | $881.86 | $881.86 | $881.86 | $881.86 | $881.86 | $1763.72 | $0.00 | $1763.72 | $0.00 | $1763.72 | $0.00 | $881.86 | $881.86 | $881.86 | 000000000000000000000000 | 000000000000000000000000 | 2026-02-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1134.64000<br> $1134.64000<br> $1144.62000<br> $1144.62000<br> $1159.64000<br> $881.86000<br> $881.86000<br> $881.86000<br> $881.86000<br> $881.86000<br> $881.86000<br> $881.86000<br> $881.86000<br> $881.86000<br> $881.86000<br> $1763.72000<br> $0.00000<br> $1763.72000<br> $0.00000<br> $1763.72000<br> $0.00000<br> $881.86000<br> $881.86000<br> $881.86000 | 106.200% | 100.000% | 83.300% | 100.000% | $936.40 | $22473.50 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $276576.90 | 2.990% | $1316.04 | $1316.04 | 2026-01-08 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,316.04 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,316.04 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $276,576.90.<br>| $4031.84 | $0.00 | $1950.12 | $1950.12 | $0.00 | $6032.05 | $1922.95 | $1922.95 | $1922.95 | $1922.95 | $1922.95 | $1922.95 | $1853.59 | $1853.13 | $1316.04 | $1316.04 | $1316.04 | $1316.04 | $1316.04 | $1316.04 | $1316.04 | $1316.04 | $1447.64 | $0.00 | 000000000000000000211101 | 101112000000000000000000 | 2026-01-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4031.84000<br> $0.00000<br> $1950.12000<br> $1950.12000<br> $0.00000<br> $6032.05000<br> $1922.95000<br> $1922.95000<br> $1922.95000<br> $1922.95000<br> $1922.95000<br> $1922.95000<br> $1853.59000<br> $1853.13000<br> $1316.04000<br> $1316.04000<br> $1316.04000<br> $1316.04000<br> $1316.04000<br> $1316.04000<br> $1316.04000<br> $1316.04000<br> $1447.64000<br> $0.00000 | 130.400% | 70.000% | 85.000% | 99.300% | $1716.02 | $41184.51 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $582558.88 | 4.500% | $3139.42 | $3140.13 | 2026-02-11 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,140.13 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,139.42 with an interest rate of 4.500%. The current UPB reflected as per the payment history is $582,558.88.<br>| $5577.99 | $3892.95 | $9101.32 | $0.00 | $4550.66 | $9101.32 | $4550.66 | $0.00 | $4386.18 | $4813.32 | $4386.18 | $4386.18 | $4386.18 | $4386.18 | $3139.42 | $3139.42 | $3139.42 | $3139.42 | $3139.42 | $3140.13 | $6278.84 | $0.00 | $3140.13 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $5577.99000<br> $3892.95000<br> $9101.32000<br> $0.00000<br> $4550.66000<br> $9101.32000<br> $4550.66000<br> $0.00000<br> $4386.18000<br> $4813.32000<br> $4386.18000<br> $4386.18000<br> $4386.18000<br> $4386.18000<br> $3139.42000<br> $3139.42000<br> $3139.42000<br> $3139.42000<br> $3139.42000<br> $3140.13000<br> $6278.84000<br> $0.00000<br> $3140.13000<br> $0.00000 | 121.800% | 33.300% | 83.300% | 98.300% | $3823.97 | $91775.32 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $261184.15 | 5.375% | $1533.36 | $1533.36 | 2026-02-11 | 2026-03-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,533.36 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,533.36 with an interest rate of 5.375%. The current UPB reflected as per the tape is $261,184.15. | $562.60 | $3977.53 | $3742.45 | $1839.96 | $2363.56 | $1983.99 | $2915.50 | $2055.74 | $2055.74 | $2279.92 | $2345.74 | $2055.74 | $2107.19 | $2507.19 | $1549.47 | $1533.36 | $1733.36 | $1533.36 | $1533.36 | $3066.72 | $0.00 | $1533.36 | $1533.36 | $1533.36 | 000000000000000000000001 | 100000000000000000000000 | 2026-02-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $562.60000<br> $3977.53000<br> $3742.45000<br> $1839.96000<br> $2363.56000<br> $1983.99000<br> $2915.50000<br> $2055.74000<br> $2055.74000<br> $2279.92000<br> $2345.74000<br> $2055.74000<br> $2107.19000<br> $2507.19000<br> $1549.47000<br> $1533.36000<br> $1733.36000<br> $1533.36000<br> $1533.36000<br> $3066.72000<br> $0.00000<br> $1533.36000<br> $1533.36000<br> $1533.36000 | 131.400% | 100.000% | 100.000% | 109.600% | $2014.27 | $48342.56 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $595389.98 | 7.875% | $4319.96 | $5173.62 | 2026-01-06 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 which was applied for the due date of xx/xx/2025 in the amount of $$5,173.62. The current xxis $4,319.96 with an interest rate of 7.875%. The current UPB is $595,389.98. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5173.62 | $0.00 | $0.00 | 0 | 0 | 2025-12-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5173.62000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $215.57 | $5173.62 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $447458.47 | 3.625% | $2209.57 | $2646.01 | 2026-01-05 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,646.01 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,209.57 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $447,458.47. | $2749.71 | $2749.71 | $2749.71 | $2749.71 | $2749.71 | $2749.71 | $2749.71 | $2602.37 | $2602.37 | $2602.37 | $2602.37 | $2602.37 | $2602.37 | $2602.37 | $2602.37 | $2602.37 | $2602.37 | $2602.37 | $2602.37 | $2646.01 | $2646.01 | $2646.01 | $2646.01 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2749.71000<br> $2749.71000<br> $2749.71000<br> $2749.71000<br> $2749.71000<br> $2749.71000<br> $2749.71000<br> $2602.37000<br> $2602.37000<br> $2602.37000<br> $2602.37000<br> $2602.37000<br> $2602.37000<br> $2602.37000<br> $2602.37000<br> $2602.37000<br> $2602.37000<br> $2602.37000<br> $2602.37000<br> $2646.01000<br> $2646.01000<br> $2646.01000<br> $2646.01000<br> $0.00000 | 96.200% | 66.700% | 83.100% | 90.700% | $2544.19 | $61060.45 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $363140.92 | 6.130% | $2210.79 | $2928.61 | 2026-01-09 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,928.61 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,210.79 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $363,140.92. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2928.61 | $2928.61 | $0.00 | 00 | 00 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2928.61000<br> $2928.61000<br> $0.00000 | 8.300% | 66.700% | 33.300% | 16.700% | $244.05 | $5857.22 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $398130.76 | 8.125% | $2969.99 |  | 2025-12-01 | 2026-01-01 | 0 | According to tape as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. Unable to determine the last payment received. The current xxis $2,969.99 with an interest rate of 8.125%. The current UPB reflected as per the tape is $398,130.76. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4180.19 | $4180.19 | $0.00 | $8360.38 | $0.00 | $4180.19 | $4477.19 | $0.00 | $0.00 | M110100 | 001011M |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4180.19000<br> $4180.19000<br> $0.00000<br> $8360.38000<br> $0.00000<br> $4180.19000<br> $4477.19000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $1057.42 | $25378.14 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $621324.82 | 6.500% | $3972.93 | $4826.72 | 2026-01-06 | 2026-02-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $4,826.72 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,972.93 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $621,324.82. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4875.00 | $4875.00 | $4875.00 | $4875.00 | $4875.00 | $4875.00 | $4875.00 | $4875.00 | $4875.00 | $4875.00 | $4875.00 | $4843.67 | $0.00 | 000000000000 | 000000000000 | 2026-01-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4875.00000<br> $4875.00000<br> $4875.00000<br> $4875.00000<br> $4875.00000<br> $4875.00000<br> $4875.00000<br> $4875.00000<br> $4875.00000<br> $4875.00000<br> $4875.00000<br> $4843.67000<br> $0.00000 | 50.500% | 67.100% | 84.100% | 92.500% | $2436.19 | $58468.67 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $445477.15 | 2.875% | $2091.06 | $3208.86 | 2026-01-07 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,208.86 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,091.06 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $445,477.15. | $3500.00 | $3500.00 | $3500.00 | $0.00 | $7223.96 | $3600.00 | $3575.00 | $3350.00 | $3600.00 | $3500.00 | $3550.00 | $3355.00 | $3400.00 | $3500.00 | $3500.00 | $3500.00 | $3500.00 | $3750.00 | $3700.00 | $3500.00 | $3425.00 | $3400.00 | $3400.00 | $0.00 | 000000000000000000010000 | 000010000000000000000000 | 2026-01-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3500.00000<br> $3500.00000<br> $3500.00000<br> $0.00000<br> $7223.96000<br> $3600.00000<br> $3575.00000<br> $3350.00000<br> $3600.00000<br> $3500.00000<br> $3550.00000<br> $3355.00000<br> $3400.00000<br> $3500.00000<br> $3500.00000<br> $3500.00000<br> $3500.00000<br> $3750.00000<br> $3700.00000<br> $3500.00000<br> $3425.00000<br> $3400.00000<br> $3400.00000<br> $0.00000 | 105.000% | 70.600% | 90.500% | 100.200% | $3367.87 | $80828.96 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $653465.21 | 6.875% | $4409.31 | $5307.11 | 2026-01-28 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $5,307.11 (xx), which was applied for the due date of xx/xx/2026. The current xxis $4,409.31 with an interest rate of 6.875%. The current UPB is $653,465.21. | $0.00 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $5307.11 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-28 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $5307.11000<br> $0.00000 | 91.700% | 66.700% | 83.300% | 91.700% | $4864.85 | $116756.42 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $208866.80 | 2.875% | $981.43 | $1612.14 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,612.14 (xx), which was applied for the due date of xx/xx/2026. The current xxis $981.43 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $208,866.80. | $1612.14 | $1612.14 | $1612.14 | $0.00 | $1612.14 | $3224.28 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $1612.14 | $0.00 | 000000000000000000110000 | 000011000000000000000000 | 2026-01-21 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1612.14000<br> $1612.14000<br> $1612.14000<br> $0.00000<br> $1612.14000<br> $3224.28000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $1612.14000<br> $0.00000 | 95.800% | 66.700% | 83.300% | 91.700% | $1544.97 | $37079.22 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $83667.20 | 3.625% | $428.02 | $428.02 | 2026-01-29 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $428.02 (xx), which was applied for the due date of xx/xx/2026. The current xxis $428.02 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $83,667.20.<br>| $428.02 | $428.02 | $428.02 | $0.00 | $856.04 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $428.02 | $0.00 | 000000000000000000010000 | 000010000000000000000000 | 2026-01-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $428.02000<br> $428.02000<br> $428.02000<br> $0.00000<br> $856.04000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $428.02000<br> $0.00000 | 95.800% | 66.700% | 83.300% | 91.700% | $410.19 | $9844.46 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $102722.79 | 5.250% | $596.25 | $958.33 | 2025-12-31 | 2026-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $958.33 (xx), which was applied for the due date of xx/xx/2026. The current xxis $596.25 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $102,722.79.<br>| $958.33 | $1916.66 | $0.00 | $0.00 | $2874.99 | $0.00 | $1916.66 | $958.33 | $958.33 | $958.33 | $958.33 | $958.33 | $958.33 | $958.33 | $0.00 | $958.33 | $1916.66 | $0.00 | $1916.66 | $0.00 | $958.33 | $1916.66 | $0.00 | $0.00 | 000000000000000000100000 | 000001000000000000000000 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $958.33000<br> $1916.66000<br> $0.00000<br> $0.00000<br> $2874.99000<br> $0.00000<br> $1916.66000<br> $958.33000<br> $958.33000<br> $958.33000<br> $958.33000<br> $958.33000<br> $958.33000<br> $958.33000<br> $0.00000<br> $958.33000<br> $1916.66000<br> $0.00000<br> $1916.66000<br> $0.00000<br> $958.33000<br> $1916.66000<br> $0.00000<br> $0.00000 | 95.800% | 66.700% | 83.300% | 83.300% | $918.40 | $22041.59 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $114750.00 | 3.375% | $507.31 |  | 2025-12-15 | 2026-01-01 | 0 | According to tape data as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. Unable to determine the last payment received. The current xxis $507.31 with an interest rate of 3.375%. The current UPB reflected as per the tape data is $114,750.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMMMMMMM |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $201424.10 | 3.500% | $990.14 | $1600.00 | 2026-01-07 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,600.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $990.14 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $201,424.10.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $11951.56 | $1549.80 | $1549.80 | $1549.80 | $1549.80 | $0.00 | $1549.80 | $1600.00 | $1600.00 | $0.00 | 111000001MMMMMMMMMMMMMM | MMMMMMMMMMMMMM100000111 | 2026-01-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $11951.56000<br> $1549.80000<br> $1549.80000<br> $1549.80000<br> $1549.80000<br> $0.00000<br> $1549.80000<br> $1600.00000<br> $1600.00000<br> $0.00000 | 59.600% | 66.700% | 65.600% | 119.300% | $954.19 | $22900.56 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $136662.32 | 2.625% | $798.68 | $1375.02 | 2026-01-28 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,375.02(xx), which was applied for the due date of xx/xx/2026. The current xxis $798.68 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $136,662.32. | $1375.02 | $1375.02 | $1375.02 | $0.00 | $2750.04 | $1375.02 | $1375.02 | $1375.02 | $1375.02 | $1375.02 | $1375.02 | $1375.02 | $1375.02 | $1375.02 | $4375.02 | $5375.02 | $2375.02 | $2375.02 | $1375.02 | $1375.02 | $1375.02 | $1375.02 | $5375.02 | $0.00 | 000000000000000000010000 | 000010000000000000000000 | 2026-01-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1375.02000<br> $1375.02000<br> $1375.02000<br> $0.00000<br> $2750.04000<br> $1375.02000<br> $1375.02000<br> $1375.02000<br> $1375.02000<br> $1375.02000<br> $1375.02000<br> $1375.02000<br> $1375.02000<br> $1375.02000<br> $4375.02000<br> $5375.02000<br> $2375.02000<br> $2375.02000<br> $1375.02000<br> $1375.02000<br> $1375.02000<br> $1375.02000<br> $5375.02000<br> $0.00000 | 135.200% | 163.600% | 131.800% | 170.500% | $1859.39 | $44625.46 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $482417.84 | 6.500% | $3071.85 | $3429.28 | 2026-01-28 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,429.28 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,071.85 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $482,417.84. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3429.28 | $3429.28 | $3429.28 | $3429.28 | $3429.28 | $3429.28 | $3429.28 | $3429.28 | $0.00 | 00000000 | 00000000 | 2026-01-21 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3429.28000<br> $3429.28000<br> $3429.28000<br> $3429.28000<br> $3429.28000<br> $3429.28000<br> $3429.28000<br> $3429.28000<br> $0.00000 | 33.300% | 66.700% | 83.300% | 66.700% | $1143.09 | $27434.24 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $342985.26 | 2.875% | $1582.81 | $2491.06 | 2026-01-29 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,491.06 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,582.81 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $342,985.26. | $0.00 | $4982.12 | $2491.06 | $0.00 | $4982.12 | $2491.06 | $2491.06 | $2491.06 | $2491.06 | $2491.06 | $2491.06 | $2491.06 | $2491.06 | $2491.06 | $2491.06 | $2491.06 | $0.00 | $4982.12 | $2491.06 | $2491.06 | $2491.06 | $2491.06 | $2491.06 | $0.00 | 000000100000000000010010 | 010010000000000001000000 | 2026-01-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $4982.12000<br> $2491.06000<br> $0.00000<br> $4982.12000<br> $2491.06000<br> $2491.06000<br> $2491.06000<br> $2491.06000<br> $2491.06000<br> $2491.06000<br> $2491.06000<br> $2491.06000<br> $2491.06000<br> $2491.06000<br> $2491.06000<br> $0.00000<br> $4982.12000<br> $2491.06000<br> $2491.06000<br> $2491.06000<br> $2491.06000<br> $2491.06000<br> $0.00000 | 95.800% | 66.700% | 83.300% | 91.700% | $2387.27 | $57294.38 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $190165.04 | 5.875% | $1183.08 | $1800.00 | 2026-01-29 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,800.00 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,183.08 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $190,165.04. | $1762.01 | $3659.16 | $1822.00 | $0.00 | $3583.17 | $1822.00 | $3663.00 | $0.00 | $1762.01 | $0.00 | $3622.00 | $1830.00 | $1821.16 | $1762.01 | $1800.00 | $2168.72 | $1793.46 | $1793.46 | $1900.00 | $1900.00 | $1800.00 | $1800.00 | $1800.00 | $0.00 | 000000000000010000010011 | 110010000010000000000000 | 2026-01-21 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1762.01000<br> $3659.16000<br> $1822.00000<br> $0.00000<br> $3583.17000<br> $1822.00000<br> $3663.00000<br> $0.00000<br> $1762.01000<br> $0.00000<br> $3622.00000<br> $1830.00000<br> $1821.16000<br> $1762.01000<br> $1800.00000<br> $2168.72000<br> $1793.46000<br> $1793.46000<br> $1900.00000<br> $1900.00000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $0.00000 | 101.500% | 66.700% | 85.200% | 94.200% | $1827.67 | $43864.16 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $235484.32 | 7.625% | $1670.39 | $2013.78 | 2026-01-07 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,013.78 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,670.39 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $235,484.32.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2013.78 | $2013.78 | $2013.78 | $0.00 | 000 | 000 | 2026-01-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2013.78000<br> $2013.78000<br> $2013.78000<br> $0.00000 | 12.500% | 66.700% | 50.000% | 25.000% | $251.72 | $6041.34 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $333952.90 | 6.990% | $2236.48 | $2236.48 | 2026-01-06 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,236.48 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,236.48 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $333,952.90. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2236.48 | $2236.48 | $2236.48 | $2236.48 | $2236.48 | $2236.48 | $2236.48 | $2236.48 | $2236.48 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-12-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2236.48000<br> $2236.48000<br> $2236.48000<br> $2236.48000<br> $2236.48000<br> $2236.48000<br> $2236.48000<br> $2236.48000<br> $2236.48000<br> $0.00000<br> $0.00000 | 37.500% | 33.300% | 66.700% | 75.000% | $838.68 | $20128.32 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $460044.28 | 6.750% | $3015.98 | $3608.30 | 2026-01-02 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,608.30 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,015.98 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $460,004.28. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7431.04 | $3790.92 | $7280.24 | $3640.12 | $3640.12 | $3640.12 | $3640.12 | $3640.12 | $3608.30 | $3608.30 | $0.00 | $0.00 | 000000001121 | 121100000000 | 2025-12-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7431.04000<br> $3790.92000<br> $7280.24000<br> $3640.12000<br> $3640.12000<br> $3640.12000<br> $3640.12000<br> $3640.12000<br> $3608.30000<br> $3608.30000<br> $0.00000<br> $0.00000 | 50.700% | 33.300% | 67.000% | 101.400% | $1829.98 | $43919.40 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $148839.52 | 6.875% | $985.39 | $1146.13 | 2026-01-05 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,146.13 (xx), which was applied for the due date of xx/xx/2026. The current xxis $985.39 with an interest rate of 6.875%. The current UPB is $148,839.52. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1146.13 | $1146.13 | $1146.13 | $1146.13 | $1146.13 | $1146.13 | $1146.13 | $1146.13 | $1146.13 | $0.00 | 000000000 | 000000000 | 2026-01-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1146.13000<br> $1146.13000<br> $1146.13000<br> $1146.13000<br> $1146.13000<br> $1146.13000<br> $1146.13000<br> $1146.13000<br> $1146.13000<br> $0.00000 | 37.500% | 66.700% | 83.300% | 75.000% | $429.80 | $10315.17 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $795389.55 | 8.375% | $6053.09 | $8233.51 | 2026-01-13 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $8,233.51 (xx), which was applied for the due date of xx/xx/2026. The current xxis $6,053.09 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $795,389.55. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8233.51 | $8233.51 | $0.00 | 00 | 00 | 2026-01-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8233.51000<br> $8233.51000<br> $0.00000 | 8.300% | 66.700% | 33.300% | 16.700% | $686.13 | $16467.02 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $560000.00 | 7.875% | $4060.39 |  | 2026-01-13 | 2026-01-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2026. According to payment history as of xx/xx/2026, the next due date is xx/xx/2026. The current xxis $4,060.39 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $560,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $224828.79 | 7.375% | $1554.02 | $2096.83 | 2025-12-31 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,096.83 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,554.02 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $224,828.79.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2096.83 | $0.00 | $0.00 | 0 | 0 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2096.83000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $87.37 | $2096.83 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $387783.82 | 8.375% | $2949.27 | $3445.81 | 2026-01-13 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,445.81 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,949.27 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $387,783.82. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3445.81 | $0.00 | $0.00 | 0 | 0 | 2025-12-26 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3445.81000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $143.58 | $3445.81 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $1274247.24 | 8.625% | $9916.82 | $11348.98 | 2026-01-13 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $11,348.98 (xx), which was applied for the due date of xx/xx/2026. The current xxis $9,916.82 with an interest rate of 8.625%. The current UPB reflected as per the payment history is $1,274,247.24. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $11348.98 | $0.00 | 0 | 0 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $11348.98000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $472.87 | $11348.98 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $333735.51 | 2.990% | $1591.63 | $2086.15 | 2025-12-16 | 2026-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,086.15 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,591.63 with an interest rate of 2.99%. The current UPB reflected as per the payment history is $333,735.51. | $2037.32 | $2037.32 | $2037.32 | $2037.32 | $2079.77 | $2079.77 | $2079.77 | $2079.77 | $2079.77 | $2079.77 | $2079.77 | $2079.77 | $2079.77 | $2079.77 | $2079.77 | $2079.77 | $2086.15 | $2086.15 | $2086.15 | $2086.15 | $2086.15 | $2086.15 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2037.32000<br> $2037.32000<br> $2037.32000<br> $2037.32000<br> $2079.77000<br> $2079.77000<br> $2079.77000<br> $2079.77000<br> $2079.77000<br> $2079.77000<br> $2079.77000<br> $2079.77000<br> $2079.77000<br> $2079.77000<br> $2079.77000<br> $2079.77000<br> $2086.15000<br> $2086.15000<br> $2086.15000<br> $2086.15000<br> $2086.15000<br> $2086.15000<br> $0.00000<br> $0.00000 | 91.100% | 33.300% | 66.700% | 83.200% | $1900.98 | $45623.42 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $217751.58 | 5.000% | $1078.19 | $1078.19 | 2026-01-13 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,078.19 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,078.19 with an interest rate of 5.000%. The current UPB reflected as per the payment history is $217,751.58. | $1078.19 | $1078.19 | $1078.19 | $1078.19 | $1078.19 | $1078.19 | $1078.19 | $1078.19 | $1078.19 | $1078.19 | $1078.19 | $1078.19 | $1880.09 | $1880.09 | $1880.09 | $1880.09 | $1880.09 | $1880.09 | $1078.19 | $1078.19 | $1078.19 | $1078.19 | $1078.19 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-13 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1078.19000<br> $1078.19000<br> $1078.19000<br> $1078.19000<br> $1078.19000<br> $1078.19000<br> $1078.19000<br> $1078.19000<br> $1078.19000<br> $1078.19000<br> $1078.19000<br> $1078.19000<br> $1880.09000<br> $1880.09000<br> $1880.09000<br> $1880.09000<br> $1880.09000<br> $1880.09000<br> $1078.19000<br> $1078.19000<br> $1078.19000<br> $1078.19000<br> $1078.19000<br> $0.00000 | 114.400% | 66.700% | 83.300% | 128.900% | $1233.74 | $29609.77 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $230000.00 | 6.375% | $1434.90 |  | 2025-12-23 | 2026-02-01 | 0 | The loan originated on xx/xx/2025 and first payment date is xx/xx/2026. According to tape data as of xx/xx/2025, the borrower xx. The first payment is due for xx/xx/2026. The current xxis $1,434.90 with an interest rate of 6.3750%. The current UPB reflected as per the payment history tape data is $230,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $320000.00 | 8.250% | $2404.05 |  | 2026-01-05 | 2026-02-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2026. According to the tape, as of xx/xx/2026, the next due date is xx/xx/2026. The current xxis $2404.05 with an interest rate of 8.250%. The current UPB reflected as per the tape is $320,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $130270.18 | 3.500% | $646.62 | $973.05 | 2026-01-14 | 2026-02-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $973.05 (xx), which was applied for the due date of xx/xx/2026. The current xxis $646.62 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $130,270.18.<br>| $1008.42 | $2016.84 | $1008.42 | $1008.42 | $1008.42 | $1008.42 | $1008.42 | $1008.42 | $1008.42 | $1008.42 | $1216.12 | $1216.12 | $1216.12 | $973.05 | $973.05 | $973.05 | $973.05 | $973.05 | $973.05 | $973.05 | $973.05 | $973.05 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1008.42000<br> $2016.84000<br> $1008.42000<br> $1008.42000<br> $1008.42000<br> $1008.42000<br> $1008.42000<br> $1008.42000<br> $1008.42000<br> $1008.42000<br> $1216.12000<br> $1216.12000<br> $1216.12000<br> $973.05000<br> $973.05000<br> $973.05000<br> $973.05000<br> $973.05000<br> $973.05000<br> $973.05000<br> $973.05000<br> $973.05000<br> $0.00000<br> $0.00000 | 100.600% | 33.300% | 66.700% | 85.400% | $979.10 | $23498.43 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $252112.03 | 2.875% | $1232.23 | $2669.22 | 2026-01-14 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,669.22 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,232.23 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $252,112.03. | $2801.37 | $2801.37 | $2801.37 | $2801.37 | $2551.37 | $2801.37 | $2801.37 | $2556.07 | $2806.07 | $2806.07 | $2806.07 | $2856.07 | $2856.07 | $2856.07 | $2856.07 | $2856.07 | $2856.07 | $2856.07 | $2856.07 | $2969.22 | $2969.22 | $2969.22 | $2969.22 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2801.37000<br> $2801.37000<br> $2801.37000<br> $2801.37000<br> $2551.37000<br> $2801.37000<br> $2801.37000<br> $2556.07000<br> $2806.07000<br> $2806.07000<br> $2806.07000<br> $2856.07000<br> $2856.07000<br> $2856.07000<br> $2856.07000<br> $2856.07000<br> $2856.07000<br> $2856.07000<br> $2856.07000<br> $2969.22000<br> $2969.22000<br> $2969.22000<br> $2969.22000<br> $0.00000 | 101.600% | 74.200% | 92.000% | 99.500% | $2710.80 | $65059.31 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $304422.48 | 2.625% | $1381.68 | $2537.82 | 2026-01-14 | 2026-02-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,537.82 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,381.68 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $304,422.48. | $2408.45 | $2408.45 | $2408.45 | $2408.45 | $2408.45 | $2408.45 | $2408.45 | $2494.58 | $2494.58 | $2494.58 | $2494.58 | $2494.58 | $2494.58 | $2494.58 | $2494.58 | $2494.58 | $2494.58 | $2494.58 | $2494.58 | $2537.82 | $2537.82 | $2537.82 | $2537.82 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2408.45000<br> $2408.45000<br> $2408.45000<br> $2408.45000<br> $2408.45000<br> $2408.45000<br> $2408.45000<br> $2494.58000<br> $2494.58000<br> $2494.58000<br> $2494.58000<br> $2494.58000<br> $2494.58000<br> $2494.58000<br> $2494.58000<br> $2494.58000<br> $2494.58000<br> $2494.58000<br> $2494.58000<br> $2537.82000<br> $2537.82000<br> $2537.82000<br> $2537.82000<br> $0.00000 | 93.500% | 66.700% | 83.000% | 90.700% | $2372.72 | $56945.39 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $334323.93 | 3.125% | $1628.90 | $2256.78 | 2026-01-14 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,256.78 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,628.90 with an interest rate of 3.125%. The current UPB reflected as per the payment history is $334,323.93. | $2569.70 | $2569.70 | $2569.70 | $2468.00 | $2468.00 | $2455.90 | $2455.90 | $2455.90 | $2455.90 | $2455.90 | $2455.90 | $2455.90 | $2455.90 | $2455.90 | $2455.90 | $2531.79 | $2531.79 | $2256.78 | $2256.78 | $2256.78 | $2256.78 | $2256.78 | $2256.78 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2569.70000<br> $2569.70000<br> $2569.70000<br> $2468.00000<br> $2468.00000<br> $2455.90000<br> $2455.90000<br> $2455.90000<br> $2455.90000<br> $2455.90000<br> $2455.90000<br> $2455.90000<br> $2455.90000<br> $2455.90000<br> $2455.90000<br> $2531.79000<br> $2531.79000<br> $2256.78000<br> $2256.78000<br> $2256.78000<br> $2256.78000<br> $2256.78000<br> $2256.78000<br> $0.00000 | 103.000% | 66.700% | 83.300% | 95.900% | $2325.35 | $55808.36 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $466301.14 | 3.375% | $2246.95 | $2978.96 | 2026-01-14 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,978.96 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,246.95 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $466,301.14. | $2770.55 | $2770.55 | $2770.55 | $2770.55 | $2805.92 | $2805.92 | $2805.92 | $2799.65 | $2799.65 | $2799.65 | $2799.65 | $2799.65 | $2799.65 | $2799.65 | $2799.65 | $2799.65 | $2799.65 | $2799.65 | $2799.65 | $2978.96 | $2978.96 | $2978.96 | $2978.96 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2770.55000<br> $2770.55000<br> $2770.55000<br> $2770.55000<br> $2805.92000<br> $2805.92000<br> $2805.92000<br> $2799.65000<br> $2799.65000<br> $2799.65000<br> $2799.65000<br> $2799.65000<br> $2799.65000<br> $2799.65000<br> $2799.65000<br> $2799.65000<br> $2799.65000<br> $2799.65000<br> $2799.65000<br> $2978.96000<br> $2978.96000<br> $2978.96000<br> $2978.96000<br> $0.00000 | 90.900% | 66.700% | 82.300% | 88.200% | $2708.82 | $65011.60 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $334674.28 | 7.375% | $2324.12 | $2324.12 | 2026-01-21 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,324.12 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,324.12 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $334,674.28. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2324.12 | $2324.12 | $2324.12 | $2324.12 | $0.00 | $2324.12 | $2324.12 | $2324.12 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-12-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2324.12000<br> $2324.12000<br> $2324.12000<br> $2324.12000<br> $0.00000<br> $2324.12000<br> $2324.12000<br> $2324.12000<br> $0.00000<br> $0.00000 | 29.200% | 33.300% | 50.000% | 58.300% | $677.87 | $16268.84 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $145684.86 | 3.500% | $790.32 | $790.32 | 2026-01-14 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $790.32 (xx), which was applied for the due date of xx/xx/2026. The current xxis $790.32 with an interest rate of 3.500%. The current UPB reflected as per the payment history is $145,684.86. | $2209.68 | $1209.68 | $1814.52 | $1209.68 | $1209.68 | $1209.68 | $1209.68 | $1209.68 | $1814.52 | $1209.68 | $1209.68 | $1209.68 | $1209.68 | $1209.68 | $1814.52 | $1209.68 | $1209.68 | $1209.68 | $1209.68 | $1814.52 | $1209.68 | $1209.68 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2209.68000<br> $1209.68000<br> $1814.52000<br> $1209.68000<br> $1209.68000<br> $1209.68000<br> $1209.68000<br> $1209.68000<br> $1814.52000<br> $1209.68000<br> $1209.68000<br> $1209.68000<br> $1209.68000<br> $1209.68000<br> $1814.52000<br> $1209.68000<br> $1209.68000<br> $1209.68000<br> $1209.68000<br> $1814.52000<br> $1209.68000<br> $1209.68000<br> $0.00000<br> $0.00000 | 158.300% | 51.000% | 114.800% | 140.300% | $1251.35 | $30032.32 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $313444.24 | 7.125% | $2176.11 | $3098.15 | 2026-01-31 | 2026-03-01 | 0 | According to the tape data as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. Unable to determine the last payment received date. The current xxis $2,176.11 with an interest rate of 7.125%. The current UPB reflected as per the tape data is $313,444.24. | $3331.95 | $3459.79 | $3500.79 | $3409.79 | $3409.79 | $3259.79 | $3309.79 | $3359.79 | $3409.79 | $3259.79 | $3409.79 | $3259.79 | $3259.79 | $0.00 | $7595.90 | $3098.15 | $3098.15 | $3098.15 | $3098.15 | $3098.15 | $3098.15 | $3098.15 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 |  | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3331.95000<br> $3459.79000<br> $3500.79000<br> $3409.79000<br> $3409.79000<br> $3259.79000<br> $3309.79000<br> $3359.79000<br> $3409.79000<br> $3259.79000<br> $3409.79000<br> $3259.79000<br> $3259.79000<br> $0.00000<br> $7595.90000<br> $3098.15000<br> $3098.15000<br> $3098.15000<br> $3098.15000<br> $3098.15000<br> $3098.15000<br> $3098.15000<br> $0.00000<br> $0.00000 | 98.100% | 33.300% | 66.700% | 87.500% | $3038.47 | $72923.38 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $175514.93 | 6.490% | $1185.58 | $1800.03 | 2026-01-08 | 2026-03-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,800.03 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,185.58 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $175,514.93. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1800.03 | $0.00 | 0 | 0 | 2026-01-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1800.03000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $75.00 | $1800.03 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $855796.78 | 7.250% | $5856.48 | $7087.15 | 2026-01-15 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $7,087.15 (xx), which was applied for the due date of xx/xx/2026. The current xxis $5,856.48 with an interest rate of 7.250%. The current UPB is $855,796.78. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7087.15 | $7087.15 | $7087.15 | $7087.15 | $0.00 | 0000 | 0000 | 2026-01-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7087.15000<br> $7087.15000<br> $7087.15000<br> $7087.15000<br> $0.00000 | 16.700% | 66.700% | 66.700% | 33.300% | $1181.19 | $28348.60 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $109734.54 | 7.125% | $741.09 | $1225.09 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,225.09 (xx), which was applied for the due date of xx/xx/2026. The current xxis $741.09 with an interest rate of 7.125%. The current UPB is $109,734.54. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1225.09 | $2450.18 | $0.00 | $0.00 | 000 | 000 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1225.09000<br> $2450.18000<br> $0.00000<br> $0.00000 | 12.500% | 66.700% | 50.000% | 25.000% | $153.14 | $3675.27 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $284656.93 | 4.990% | $1528.20 | $2695.31 | 2026-01-15 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026, in the amount of $2,695.31 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,528.20 with an interest rate of 4.990%. The current UPB is $284,656.93. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2695.31 | $0.00 | 0 | 0 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2695.31000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $112.30 | $2695.31 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $301267.44 | 7.125% | $2060.90 | $2418.96 | 2026-01-27 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,418.96 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,060.90 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $301,267.44. | $0.00 | $0.00 | $0.00 | $0.00 | $2294.38 | $2294.38 | $2294.38 | $0.00 | $2294.38 | $4588.76 | $2294.38 | $2294.38 | $2294.38 | $0.00 | $4588.76 | $0.00 | $2294.38 | $2418.96 | $2418.96 | $2418.96 | $2418.96 | $4837.92 | $0.00 | $0.00 | 000000000000000000 | 000000000000000000 | 2025-12-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2294.38000<br> $2294.38000<br> $2294.38000<br> $0.00000<br> $2294.38000<br> $4588.76000<br> $2294.38000<br> $2294.38000<br> $2294.38000<br> $0.00000<br> $4588.76000<br> $0.00000<br> $2294.38000<br> $2418.96000<br> $2418.96000<br> $2418.96000<br> $2418.96000<br> $4837.92000<br> $0.00000<br> $0.00000 | 72.400% | 66.700% | 83.300% | 81.600% | $1751.93 | $42046.32 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $359942.24 | 7.500% | $2538.15 | $2933.31 | 2026-01-15 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,933.31 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,538.15 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $359,942.24. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2928.26 | $2928.26 | $2928.26 | $2928.26 | $2928.26 | $2928.26 | $2928.26 | $2933.31 | $2933.31 | $2933.31 | $2933.31 | $0.00 | 00000000000 | 00000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2928.26000<br> $2928.26000<br> $2928.26000<br> $2928.26000<br> $2928.26000<br> $2928.26000<br> $2928.26000<br> $2933.31000<br> $2933.31000<br> $2933.31000<br> $2933.31000<br> $0.00000 | 45.800% | 66.700% | 83.300% | 91.600% | $1342.96 | $32231.06 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $211843.23 | 6.625% | $1376.67 | $1988.35 | 2026-01-15 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,988.35 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,376.67 with an interest rate of 6.625%. The current UPB is $211,843.23. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4276.54 | $2300.00 | $2419.66 | $4242.40 | $2096.20 | $0.00 | $2146.20 | $0.00 | $4126.70 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-12-26 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4276.54000<br> $2300.00000<br> $2419.66000<br> $4242.40000<br> $2096.20000<br> $0.00000<br> $2146.20000<br> $0.00000<br> $4126.70000<br> $0.00000<br> $0.00000 | 45.300% | 69.200% | 52.600% | 90.600% | $900.32 | $21607.70 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $770203.41 | 6.990% | $5235.96 | $6337.25 | 2026-01-15 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $6,337.25 (xx), which was applied for the due date of xx/xx/2026. The current xxis $5,235.96 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $770,203.41. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7375.65 | $7375.65 | $7375.65 | $7375.65 | $7375.65 | $7375.65 | $7404.25 | $7404.25 | $7404.25 | $7404.25 | $0.00 | 0000000000 | 0000000000 | 2026-01-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7375.65000<br> $7375.65000<br> $7375.65000<br> $7375.65000<br> $7375.65000<br> $7375.65000<br> $7404.25000<br> $7404.25000<br> $7404.25000<br> $7404.25000<br> $0.00000 | 48.600% | 77.900% | 97.300% | 97.100% | $3077.95 | $73870.90 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $314677.78 | 5.990% | $1916.39 | $1916.39 | 2026-01-08 | 2026-02-01 | 0 | According to tape as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,916.39 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,916.39 with an interest rate of 5.990%. The current UPB reflected as per the tape data is $314,677.78. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $9011.03 | $1916.39 | $1916.39 | $1916.39 | $1916.39 | $1916.39 | $1916.39 | $1916.39 | $1525.79 | $1525.79 | $1525.79 | $4530.17 | $1715.77 | $1715.77 | $1715.77 | $0.00 | 000000000000000 | 000000000000000 | 2026-01-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $9011.03000<br> $1916.39000<br> $1916.39000<br> $1916.39000<br> $1916.39000<br> $1916.39000<br> $1916.39000<br> $1916.39000<br> $1525.79000<br> $1525.79000<br> $1525.79000<br> $4530.17000<br> $1715.77000<br> $1715.77000<br> $1715.77000<br> $0.00000 | 79.800% | 59.700% | 97.400% | 95.300% | $1528.36 | $36680.61 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $324703.07 | 4.990% | $1769.48 | $2637.41 | 2026-01-08 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,637.41 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,769.48 with an interest rate of 4.990%. The current UPB reflected as per the tape is $324,703.07. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5241.20 | $0.00 | $2637.41 | $2637.41 | $2637.41 | $2637.41 | $2637.41 | $2637.41 | $2637.41 | $5199.64 | $4748.14 | $15194.09 | $2637.41 | $0.00 | 000000000000 | 000000000000 | 2026-01-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5241.20000<br> $0.00000<br> $2637.41000<br> $2637.41000<br> $2637.41000<br> $2637.41000<br> $2637.41000<br> $2637.41000<br> $2637.41000<br> $5199.64000<br> $4748.14000<br> $15194.09000<br> $2637.41000<br> $0.00000 | 81.300% | 225.400% | 192.200% | 146.100% | $2145.10 | $51482.35 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $181838.00 | 6.875% | $1207.11 | $1207.11 | 2026-01-16 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,207.11, which was applied for the due date of xx/xx/2026. The current xxis $1,207.11 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $181,838.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2414.22 | $0.00 | $0.00 | $0.00 | $4828.44 | $1207.11 | $1207.11 | $1207.11 | $1207.11 | $1207.11 | $1207.11 | $0.00 | 000000032101 | 101230000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2414.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4828.44000<br> $1207.11000<br> $1207.11000<br> $1207.11000<br> $1207.11000<br> $1207.11000<br> $1207.11000<br> $0.00000 | 50.000% | 66.700% | 83.300% | 100.000% | $603.56 | $14485.32 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $179497.17 | 6.375% | $1122.97 | $1524.49 | 2026-01-16 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,524.49 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,122.97 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $179,497.17.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1524.49 | $0.00 | $1524.49 | $1524.49 | $0.00 | 000 | 000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1524.49000<br> $0.00000<br> $1524.49000<br> $1524.49000<br> $0.00000 | 12.500% | 66.700% | 50.000% | 25.000% | $190.56 | $4573.47 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $256111.57 | 6.875% | $1708.01 | $2061.60 | 2026-01-19 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,061.60 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,708.01 with an interest rate of 6.875%. The current UPB is $256,111.57. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2064.02 | $0.00 | $2064.02 | $2064.02 | $2064.02 | $2064.02 | $2064.02 | $2061.60 | $2061.60 | $2061.60 | $2061.60 | $2061.60 | $2061.60 | $2061.60 | $2061.60 | $2061.60 | $2061.60 | $2061.60 | $0.00 | 00000000000000000 | 00000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2064.02000<br> $0.00000<br> $2064.02000<br> $2064.02000<br> $2064.02000<br> $2064.02000<br> $2064.02000<br> $2061.60000<br> $2061.60000<br> $2061.60000<br> $2061.60000<br> $2061.60000<br> $2061.60000<br> $2061.60000<br> $2061.60000<br> $2061.60000<br> $2061.60000<br> $2061.60000<br> $0.00000 | 70.900% | 66.700% | 83.300% | 91.700% | $1460.91 | $35061.72 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $417974.63 | 3.375% | $2032.76 | $3381.68 | 2026-01-19 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,381.68 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,032.76 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $417,974.63.<br>| $3150.02 | $3150.02 | $3150.02 | $3150.02 | $3150.02 | $3150.02 | $3150.02 | $3171.30 | $3171.30 | $3171.30 | $3171.30 | $3171.30 | $3381.68 | $3381.68 | $3381.68 | $3381.68 | $3381.68 | $3381.68 | $3500.00 | $3381.68 | $3500.00 | $3500.00 | $3500.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3150.02000<br> $3150.02000<br> $3150.02000<br> $3150.02000<br> $3150.02000<br> $3150.02000<br> $3150.02000<br> $3171.30000<br> $3171.30000<br> $3171.30000<br> $3171.30000<br> $3171.30000<br> $3381.68000<br> $3381.68000<br> $3381.68000<br> $3381.68000<br> $3381.68000<br> $3381.68000<br> $3500.00000<br> $3381.68000<br> $3500.00000<br> $3500.00000<br> $3500.00000<br> $0.00000 | 93.100% | 69.000% | 85.700% | 92.800% | $3149.10 | $75578.40 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $358130.57 | 8.375% | $2764.76 | $4226.37 | 2025-12-12 | 2025-12-01 | 0 | According to payment history as of xx/xx/2025, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,226.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,764.76 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $358,130.57.  | $0.00 | $7874.74 | $7874.74 | $0.00 | $0.00 | $8012.98 | $0.00 | $0.00 | $0.00 | $11950.35 | $4075.63 | $3694.39 | $0.00 | $15309.54 | $4364.61 | $4226.37 | $4226.37 | $4226.37 | $4226.37 | $4226.37 | $4226.37 | $0.00 | $4226.37 | $0.00 | 00000000032224321210121 | 12101212342223000000000 | 2025-11-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $7874.74000<br> $7874.74000<br> $0.00000<br> $0.00000<br> $8012.98000<br> $0.00000<br> $0.00000<br> $0.00000<br> $11950.35000<br> $4075.63000<br> $3694.39000<br> $0.00000<br> $15309.54000<br> $4364.61000<br> $4226.37000<br> $4226.37000<br> $4226.37000<br> $4226.37000<br> $4226.37000<br> $4226.37000<br> $0.00000<br> $4226.37000<br> $0.00000 | 91.400% | 33.300% | 66.700% | 97.100% | $3864.23 | $92741.57 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $144817.27 | 7.625% | $1028.78 | $1583.78 | 2026-01-06 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,583.78 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,028.78 with an interest rate of 7.625%. The current UPB is $144,817.27. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1583.78 | $1583.78 | $1583.78 | $1583.78 | $1583.78 | $0.00 | 00000 | 00000 | 2026-01-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1583.78000<br> $1583.78000<br> $1583.78000<br> $1583.78000<br> $1583.78000<br> $0.00000 | 20.800% | 66.700% | 83.300% | 41.700% | $329.95 | $7918.90 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $456000.00 | 6.875% | $2612.50 | $3422.33 | 2026-01-27 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,422.33 (xx), which was applied for the due date of xx/xx/2026. The current payment is $2,612.50 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $456,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3422.33 | $0.00 | 0 | 0 | 2026-01-23 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3422.33000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $142.60 | $3422.33 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $330156.41 | 7.000% | $2221.05 | $2759.53 | 2026-01-16 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,759.53 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,221.05 with an interest rate of 7.000%. The current UPB is $330,156.41. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2844.64 | $2844.64 | $2844.64 | $2844.64 | $2844.64 | $2844.64 | $2844.64 | $2844.64 | $2844.64 | $2844.64 | $2844.64 | $2759.53 | $0.00 | 000000000000M | M000000000000 | 2026-01-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2844.64000<br> $2844.64000<br> $2844.64000<br> $2844.64000<br> $2844.64000<br> $2844.64000<br> $2844.64000<br> $2844.64000<br> $2844.64000<br> $2844.64000<br> $2844.64000<br> $2759.53000<br> $0.00000 | 51.400% | 67.700% | 85.400% | 94.200% | $1418.77 | $34050.57 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $506211.69 | 5.437% | $2995.41 | $3948.41 | 2026-01-08 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,948.41 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,995.41 with an interest rate of 5.437%. The current UPB is $506,211.69. | $4046.76 | $3841.15 | $3841.15 | $3893.57 | $3893.57 | $3893.57 | $3922.31 | $3893.57 | $3893.57 | $3912.86 | $3893.57 | $3893.57 | $3948.41 | $3948.41 | $3948.41 | $3948.41 | $3948.41 | $3948.41 | $3948.41 | $3948.41 | $7896.82 | $58.80 | $3948.41 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4046.76000<br> $3841.15000<br> $3841.15000<br> $3893.57000<br> $3893.57000<br> $3893.57000<br> $3922.31000<br> $3893.57000<br> $3893.57000<br> $3912.86000<br> $3893.57000<br> $3893.57000<br> $3948.41000<br> $3948.41000<br> $3948.41000<br> $3948.41000<br> $3948.41000<br> $3948.41000<br> $3948.41000<br> $3948.41000<br> $7896.82000<br> $58.80000<br> $3948.41000<br> $0.00000 | 95.300% | 33.800% | 83.600% | 91.800% | $3762.94 | $90310.53 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $245935.11 | 6.937% | $1667.24 | $2155.22 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,155.22 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,667.24 with an interest rate of 6.937%. The current UPB reflected as per the payment history is $245,935.11. | $0.00 | $0.00 | $0.00 | $0.00 | $2250.00 | $2200.00 | $2097.08 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2260.03 | $2260.03 | $2260.03 | $2258.14 | $2258.14 | $2300.00 | $2300.00 | $2300.00 | $0.00 | 0000000000000000000 | 0000000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2250.00000<br> $2200.00000<br> $2097.08000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2260.03000<br> $2260.03000<br> $2260.03000<br> $2258.14000<br> $2258.14000<br> $2300.00000<br> $2300.00000<br> $2300.00000<br> $0.00000 | 81.900% | 71.100% | 88.300% | 95.900% | $1764.31 | $42343.45 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $72521.08 | 5.562% | $420.19 | $846.06 | 2026-01-15 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $846.06 (xx), which was applied for the due date of xx/xx/2026. The current xxis $420.19 with an interest rate of 5.562%. The current UPB reflected as per the payment history is $72,521.08.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $839.58 | $839.58 | $847.26 | $839.58 | $839.58 | $13.63 | $1679.16 | $0.00 | $1703.31 | $0.00 | $846.06 | $1703.99 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-12-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $839.58000<br> $839.58000<br> $847.26000<br> $839.58000<br> $839.58000<br> $13.63000<br> $1679.16000<br> $0.00000<br> $1703.31000<br> $0.00000<br> $846.06000<br> $1703.99000<br> $0.00000<br> $0.00000 | 50.000% | 67.100% | 83.800% | 83.500% | $422.99 | $10151.73 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $440400.10 | 7.562% | $3139.21 | $3473.96 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,473.96 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,139.21 with an interest rate of 7.562%. The current UPB is $440,400.10. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5051.83 | $3686.34 | $3686.34 | $3686.34 | $3686.34 | $3686.34 | $3686.34 | $3686.34 | $3686.34 | $3686.34 | $3686.34 | $3686.34 | $3473.96 | $3473.96 | $3473.96 | $3473.96 | $3473.96 | $0.00 | $0.00 | 00000000000000000 | 00000000000000000 | 2025-12-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5051.83000<br> $3686.34000<br> $3686.34000<br> $3686.34000<br> $3686.34000<br> $3686.34000<br> $3686.34000<br> $3686.34000<br> $3686.34000<br> $3686.34000<br> $3686.34000<br> $3686.34000<br> $3473.96000<br> $3473.96000<br> $3473.96000<br> $3473.96000<br> $3473.96000<br> $0.00000<br> $0.00000 | 75.500% | 33.300% | 66.700% | 85.900% | $2623.81 | $62971.37 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $536462.83 | 6.990% | $3598.98 | $4432.42 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,432.42 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,598.98 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $536,462.83. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8889.46 | $4444.73 | $0.00 | $8889.46 | $0.00 | $4444.73 | $8889.46 | $0.00 | $4432.42 | $8866.45 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-12-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8889.46000<br> $4444.73000<br> $0.00000<br> $8889.46000<br> $0.00000<br> $4444.73000<br> $8889.46000<br> $0.00000<br> $4432.42000<br> $8866.45000<br> $0.00000<br> $0.00000 | 45.900% | 66.700% | 83.400% | 91.900% | $2035.70 | $48856.71 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $374703.67 | 6.625% | $2428.06 | $2832.35 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,832.35 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,428.06 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $374,703.67. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2869.61 | $2869.61 | $2869.61 | $2869.61 | $2869.61 | $2869.61 | $2832.35 | $2832.35 | $2832.35 | $2832.35 | $2832.35 | $2832.35 | $2832.35 | $0.00 | 0000000000000 | 0000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2869.61000<br> $2869.61000<br> $2869.61000<br> $2869.61000<br> $2869.61000<br> $2869.61000<br> $2832.35000<br> $2832.35000<br> $2832.35000<br> $2832.35000<br> $2832.35000<br> $2832.35000<br> $2832.35000<br> $0.00000 | 54.500% | 66.700% | 83.300% | 92.100% | $1543.50 | $37044.11 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $126700.32 | 6.375% | $798.80 | $1162.23 | 2026-01-21 | 2026-02-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,162.23 (xx), which was applied for the due date of xx/xx/2026. The current xxis $798.80 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $126,700.32.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1162.23 | $1162.23 | $1162.23 | $1162.23 | $1162.23 | $1162.23 | $1162.23 | $1162.23 | $1162.23 | $1162.23 | $1162.23 | $0.00 | 00000000000 | 00000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1162.23000<br> $1162.23000<br> $1162.23000<br> $1162.23000<br> $1162.23000<br> $1162.23000<br> $1162.23000<br> $1162.23000<br> $1162.23000<br> $1162.23000<br> $1162.23000<br> $0.00000 | 45.800% | 66.700% | 83.300% | 91.700% | $532.69 | $12784.53 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $830997.10 | 6.250% | $5141.24 | $5680.21 | 2026-01-21 | 2026-03-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $5,680.21 (xx), which was applied for the due date of xx/xx/2026. The current xxis $5,141.24 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $830,997.10. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5680.21 | $5680.21 | $5680.21 | $5680.21 | $5680.21 | $0.00 | 0000 | 0000 | 2026-01-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5680.21000<br> $5680.21000<br> $5680.21000<br> $5680.21000<br> $5680.21000<br> $0.00000 | 20.800% | 66.700% | 83.300% | 41.700% | $1183.38 | $28401.05 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $503405.02 | 6.625% | $3252.78 | $4534.33 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,534.33 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,252.78 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $503,405.02.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4636.28 | $4534.33 | $4534.33 | $4534.33 | $4534.33 | $4534.33 | $4573.24 | $4534.33 | $4534.33 | $4581.09 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-12-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4636.28000<br> $4534.33000<br> $4534.33000<br> $4534.33000<br> $4534.33000<br> $4534.33000<br> $4573.24000<br> $4534.33000<br> $4534.33000<br> $4581.09000<br> $0.00000<br> $0.00000 | 41.800% | 33.700% | 67.000% | 83.700% | $1897.12 | $45530.92 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $232685.73 | 6.875% | $1540.50 | $2240.41 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,240.41 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,540.50 with an interest rate of 6.875%. The current UPB is $232,685.73. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4215.44 | $0.00 | $2107.72 | $2107.72 | $2107.72 | $2107.72 | $2107.72 | $2107.72 | $2240.41 | $0.00 | 000000000 | 000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4215.44000<br> $0.00000<br> $2107.72000<br> $2107.72000<br> $2107.72000<br> $2107.72000<br> $2107.72000<br> $2107.72000<br> $2240.41000<br> $0.00000 | 35.500% | 64.700% | 79.400% | 71.100% | $795.92 | $19102.17 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $227998.11 | 4.625% | $1178.33 | $1644.17 | 2026-01-02 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,644.17 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,178.33 with an interest rate of 4.625%. The current UPB reflected as per the payment history is $227,998.11. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1644.17 | $1644.17 | $1644.17 | $1644.17 | $0.00 | 0000 | 0000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1644.17000<br> $1644.17000<br> $1644.17000<br> $1644.17000<br> $0.00000 | 16.700% | 66.700% | 66.700% | 33.300% | $274.03 | $6576.68 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $129461.29 | 6.625% | $832.40 | $894.76 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $894.76 (xx), which was applied for the due date of xx/xx/2026. The current xxis $832.40 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $129,461.29. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $23.60 | $0.00 | $894.76 | $920.00 | $921.94 | $920.00 | $0.00 | 0000 | 0000 | 2026-01-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $23.60000<br> $0.00000<br> $894.76000<br> $920.00000<br> $921.94000<br> $920.00000<br> $0.00000 | 17.100% | 68.600% | 68.100% | 34.300% | $153.35 | $3680.30 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $437367.50 | 6.875% | $2890.49 | $3503.34 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,503.34 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,890.49 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $437,367.50. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3503.34 | $3503.34 | $3503.34 | $3503.34 | $3503.34 | $3546.29 | $3503.34 | $0.00 | 0000000 | 0000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3503.34000<br> $3503.34000<br> $3503.34000<br> $3503.34000<br> $3503.34000<br> $3546.29000<br> $3503.34000<br> $0.00000 | 29.200% | 67.100% | 83.500% | 58.400% | $1023.60 | $24566.33 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $185497.80 | 6.750% | $1212.88 | $1613.64 | 2026-01-16 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,613.64 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,212.88 with an interest rate of 6.750%. The current UPB is $185,497.80. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1548.44 | $1548.44 | $1548.44 | $1688.09 | $1548.44 | $1548.44 | $1663.64 | $0.00 | 0000000 | 0000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1548.44000<br> $1548.44000<br> $1548.44000<br> $1688.09000<br> $1548.44000<br> $1548.44000<br> $1663.64000<br> $0.00000 | 28.600% | 66.400% | 82.600% | 57.300% | $462.25 | $11093.93 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $666649.87 | 6.990% | $4453.03 | $5066.69 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $5,066.69 (xx), which was applied for the due date of xx/xx/2026. The current xxis $4,453.03 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $666,649.87. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5066.69 | $5066.69 | $5066.69 | $5066.69 | $5066.69 | $5066.69 | $0.00 | 000000 | 000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5066.69000<br> $5066.69000<br> $5066.69000<br> $5066.69000<br> $5066.69000<br> $5066.69000<br> $0.00000 | 25.000% | 66.700% | 83.300% | 50.000% | $1266.67 | $30400.14 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $348377.33 | 7.375% | $2417.36 | $2417.36 | 2026-01-02 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,417.36 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,417.36 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $348,377.33. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2417.36 | $2417.36 | $2417.36 | $2417.36 | $2417.36 | $2417.36 | $0.00 | 000000 | 000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2417.36000<br> $2417.36000<br> $2417.36000<br> $2417.36000<br> $2417.36000<br> $2417.36000<br> $0.00000 | 25.000% | 66.700% | 83.300% | 50.000% | $604.34 | $14504.16 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $483845.05 | 6.437% | $3061.16 | $4162.33 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,162.33 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,061.16 with an interest rate of 6.437%. The current UPB reflected as per the payment history is $483,845.05. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4162.33 | $4324.33 | $4424.33 | $0.00 | $8888.66 | $0.00 | $0.00 | 00000 | 00000 | 2025-12-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4162.33000<br> $4324.33000<br> $4424.33000<br> $0.00000<br> $8888.66000<br> $0.00000<br> $0.00000 | 21.800% | 71.200% | 70.600% | 43.600% | $908.32 | $21799.65 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $583033.30 | 6.375% | $3767.01 | $4524.85 | 2026-01-09 | 2026-02-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,524.85 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,767.01 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $583,033.30. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $9064.70 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-11-25 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $9064.70000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.400% | 16.700% | $377.70 | $9064.70 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $463385.02 | 6.750% | $3015.98 | $4129.13 | 2026-01-06 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,129.13 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,015.98 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $463,385.02. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4129.13 | $4129.13 | $4129.13 | $4129.13 | $0.00 | $0.00 | 0000 | 0000 | 2025-12-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4129.13000<br> $4129.13000<br> $4129.13000<br> $4129.13000<br> $0.00000<br> $0.00000 | 16.700% | 33.300% | 66.700% | 33.300% | $688.19 | $16516.52 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $191492.51 | 8.125% | $1425.59 | $1669.17 | 2026-01-06 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,669.17 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,425.59 with an interest rate of 8.125%. The current UPB reflected as per the payment history is $191,492.51. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1669.17 | $1669.17 | $1669.17 | $1669.17 | $0.00 | 0000 | 0000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1669.17000<br> $1669.17000<br> $1669.17000<br> $1669.17000<br> $0.00000 | 16.700% | 66.700% | 66.700% | 33.300% | $278.20 | $6676.68 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $139488.28 | 6.375% | $873.42 | $1227.93 | 2026-02-02 | 2026-03-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is 02301/2026. The last payment was received on xx/xx/2026 in the amount of $1,227.93 (xx), which was applied for the due date of xx/xx/2026. The current xxis $873.42 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $139,488.28. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1267.93 | $1267.93 | $1267.93 | 000 | 000 | 2026-02-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1267.93000<br> $1267.93000<br> $1267.93000 | 12.900% | 103.300% | 51.600% | 25.800% | $158.49 | $3803.79 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $223956.81 | 4.000% | $1494.93 | $1884.87 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,884.87 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,494.93 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $223,956.81. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1884.87 | $1884.87 | $1884.87 | $1884.87 | $0.00 | 0000 | 0000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1884.87000<br> $1884.87000<br> $1884.87000<br> $1884.87000<br> $0.00000 | 16.700% | 66.700% | 66.700% | 33.300% | $314.15 | $7539.48 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $1252500.00 | 7.125% | $7436.72 | $7436.72 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $7,436.72, which was applied for the due date of xx/xx/2026. The current xxis $7,436.72 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $1,252,500.00. As per the note, the loan is interest-only for 120 months. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7436.72 | $7436.72 | $7436.72 | $7436.72 | $0.00 | 0000 | 0000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7436.72000<br> $7436.72000<br> $7436.72000<br> $7436.72000<br> $0.00000 | 16.700% | 66.700% | 66.700% | 33.300% | $1239.45 | $29746.88 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $307255.81 | 6.750% | $2037.92 | $2217.50 | 2026-01-13 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,217.50 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,037.92 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $307,255.81. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2358.35 | $0.00 | $2358.35 | $7762.35 | $2640.05 | $0.00 | 0000 | 0000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2358.35000<br> $0.00000<br> $2358.35000<br> $7762.35000<br> $2640.05000<br> $0.00000 | 28.400% | 156.400% | 113.600% | 56.800% | $629.96 | $15119.10 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $975000.00 | 6.500% | $5281.25 | $5281.25 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $5,281.25 (xx), which was applied for the due date of xx/xx/2026. The current interest-only payment is $5,281.25 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $975,000.00. This loan is interest-only for 120 months.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5281.25 | $5281.25 | $5281.25 | $0.00 | 000 | 000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5281.25000<br> $5281.25000<br> $5281.25000<br> $0.00000 | 12.500% | 66.700% | 50.000% | 25.000% | $660.16 | $15843.75 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $269504.26 | 6.500% | $1723.44 | $2062.80 | 2026-01-16 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,062.80 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,723.44 with an interest rate of 6.50%. The current UPB reflected as per the payment history is $269,504.26. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2999.40 | $2054.28 | $2054.28 | $0.00 | $2054.28 | $2054.28 | $2354.28 | $2341.88 | $4117.08 | $300.00 | $0.00 | 000000000 | 000000000 | 2025-12-26 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2999.40000<br> $2054.28000<br> $2054.28000<br> $0.00000<br> $2054.28000<br> $2054.28000<br> $2354.28000<br> $2341.88000<br> $4117.08000<br> $300.00000<br> $0.00000 | 41.100% | 71.400% | 90.200% | 82.100% | $847.07 | $20329.76 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $1054446.57 | 6.750% | $6875.14 | $8205.54 | 2026-01-21 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $8,205.54 (xx), which was applied for the due date of xx/xx/2026. The current xxis $6,875.14 with an interest rate of 6.750%. The current UPB is $1,054,446.57. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8205.54 | $8205.54 | $8205.54 | $8205.54 | $8205.76 | $8205.54 | $0.00 | 000000 | 000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8205.54000<br> $8205.54000<br> $8205.54000<br> $8205.54000<br> $8205.76000<br> $8205.54000<br> $0.00000 | 25.000% | 66.700% | 83.300% | 50.000% | $2051.39 | $49233.46 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $282232.52 | 5.750% | $1849.93 | $2590.60 | 2026-01-21 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,590.60 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,849.93 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $282,232.52. | $2433.84 | $2433.84 | $2433.84 | $2433.84 | $0.00 | $5169.80 | $2567.40 | $0.00 | $5134.80 | $2567.40 | $2590.60 | $2590.60 | $0.00 | $5181.20 | $2590.60 | $0.00 | $5181.20 | $2590.60 | $2590.60 | $2590.60 | $0.00 | $5181.20 | $0.00 | $0.00 | 010000100100001001000000 | 000000100100001001000010 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2433.84000<br> $2433.84000<br> $2433.84000<br> $2433.84000<br> $0.00000<br> $5169.80000<br> $2567.40000<br> $0.00000<br> $5134.80000<br> $2567.40000<br> $2590.60000<br> $2590.60000<br> $0.00000<br> $5181.20000<br> $2590.60000<br> $0.00000<br> $5181.20000<br> $2590.60000<br> $2590.60000<br> $2590.60000<br> $0.00000<br> $5181.20000<br> $0.00000<br> $0.00000 | 90.500% | 66.700% | 66.700% | 83.300% | $2344.25 | $56261.96 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $195368.53 | 2.937% | $920.07 | $1217.35 | 2026-01-02 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,217.35 (xx), which was applied for the due date of xx/xx/2026. The current xxis $920.07 with an interest rate of 2.937%. The current UPB reflected as per the payment history is $195,368.53. | $1189.97 | $1189.97 | $1189.97 | $1189.97 | $1189.97 | $1268.01 | $1268.01 | $1268.01 | $1483.71 | $1268.01 | $1254.52 | $1254.52 | $1254.52 | $1254.52 | $1254.52 | $1254.52 | $1254.52 | $1254.52 | $1254.52 | $1254.52 | $1254.52 | $1254.52 | $1217.35 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1189.97000<br> $1189.97000<br> $1189.97000<br> $1189.97000<br> $1189.97000<br> $1268.01000<br> $1268.01000<br> $1268.01000<br> $1483.71000<br> $1268.01000<br> $1254.52000<br> $1254.52000<br> $1254.52000<br> $1254.52000<br> $1254.52000<br> $1254.52000<br> $1254.52000<br> $1254.52000<br> $1254.52000<br> $1254.52000<br> $1254.52000<br> $1254.52000<br> $1217.35000<br> $0.00000 | 98.500% | 67.700% | 85.400% | 94.200% | $1199.05 | $28777.19 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $704725.01 | 8.375% | $5369.91 | $6164.56 | 2026-01-06 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $6,164.56 (xx), which was applied for the due date of xx/xx/2026. The current xxis $5,369.91 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $704,725.01. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6164.56 | $6164.56 | $6164.56 | $7656.56 | $0.00 | 0000 | 0000 | 2026-01-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6164.56000<br> $6164.56000<br> $6164.56000<br> $7656.56000<br> $0.00000 | 17.700% | 74.700% | 70.700% | 35.400% | $1089.59 | $26150.24 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $182749.81 | 7.625% | $1296.32 | $1618.78 | 2026-01-13 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,618.78 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,296.32 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $182,749.81. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1618.78 | $1618.78 | $1618.78 | $0.00 | 000 | 000 | 2026-01-13 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1618.78000<br> $1618.78000<br> $1618.78000<br> $0.00000 | 12.500% | 66.700% | 50.000% | 25.000% | $202.35 | $4856.34 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $492122.06 | 3.750% | $2077.62 | $2815.48 | 2026-01-01 | 2025-12-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,815.48 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,077.62 with an interest rate of 3.750%. The current UPB is $492,122.06, and the deferred balance is $14,719.21. | $2878.98 | $2878.98 | $3492.88 | $3492.88 | $3492.88 | $4437.69 | $0.00 | $6985.76 | $4381.54 | $3516.00 | $6494.91 | $3516.00 | $3516.00 | $3516.00 | $0.00 | $2978.91 | $0.00 | $4154.43 | $3893.95 | $3893.95 | $4382.71 | $3893.95 | $0.00 | $0.00 | 112222110111111101111111 | 111111101111111011222211 | 2025-12-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2878.98000<br> $2878.98000<br> $3492.88000<br> $3492.88000<br> $3492.88000<br> $4437.69000<br> $0.00000<br> $6985.76000<br> $4381.54000<br> $3516.00000<br> $6494.91000<br> $3516.00000<br> $3516.00000<br> $3516.00000<br> $0.00000<br> $2978.91000<br> $0.00000<br> $4154.43000<br> $3893.95000<br> $3893.95000<br> $4382.71000<br> $3893.95000<br> $0.00000<br> $0.00000 | 112.200% | 46.100% | 95.100% | 89.500% | $3158.27 | $75798.40 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $90611.00 | 5.250% | $586.72 | $1066.40 | 2026-01-01 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,066.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $586.72 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $90,611.00.<br>| $906.32 | $906.32 | $906.32 | $906.32 | $882.78 | $882.78 | $882.78 | $882.78 | $882.78 | $882.78 | $1266.47 | $925.09 | $882.78 | $1372.00 | $882.78 | $882.78 | $1066.40 | $1066.40 | $1066.40 | $1066.40 | $1324.10 | $1066.40 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $906.32000<br> $906.32000<br> $906.32000<br> $906.32000<br> $882.78000<br> $882.78000<br> $882.78000<br> $882.78000<br> $882.78000<br> $882.78000<br> $1266.47000<br> $925.09000<br> $882.78000<br> $1372.00000<br> $882.78000<br> $882.78000<br> $1066.40000<br> $1066.40000<br> $1066.40000<br> $1066.40000<br> $1324.10000<br> $1066.40000<br> $0.00000<br> $0.00000 | 85.100% | 33.300% | 70.700% | 83.400% | $907.92 | $21789.96 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $189063.73 | 2.250% | $873.03 | $1930.10 | 2026-01-01 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,930.10 (xx), which was applied for the due date of xx/xx/2025. The current xxis $873.03 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $189,063.73. | $1272.94 | $1367.05 | $2040.32 | $2215.32 | $2215.32 | $2127.67 | $2127.67 | $2127.67 | $2127.67 | $2127.67 | $5011.87 | $2127.67 | $2127.67 | $2180.10 | $2180.10 | $2180.10 | $2180.10 | $2180.10 | $2180.10 | $2180.10 | $1930.10 | $1930.10 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1272.94000<br> $1367.05000<br> $2040.32000<br> $2215.32000<br> $2215.32000<br> $2127.67000<br> $2127.67000<br> $2127.67000<br> $2127.67000<br> $2127.67000<br> $5011.87000<br> $2127.67000<br> $2127.67000<br> $2180.10000<br> $2180.10000<br> $2180.10000<br> $2180.10000<br> $2180.10000<br> $2180.10000<br> $2180.10000<br> $1930.10000<br> $1930.10000<br> $0.00000<br> $0.00000 | 103.900% | 33.300% | 71.000% | 91.700% | $2005.73 | $48137.41 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $211515.01 | 2.750% | $973.66 | $1444.44 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,444.44 (xx), which was applied for the due date of xx/xx/2025. The current xxis $973.66 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $211,515.01. | $0.00 | $4500.00 | $4000.00 | $2871.19 | $3000.00 | $1655.80 | $1675.56 | $0.00 | $4013.83 | $1493.60 | $1493.60 | $1493.60 | $1493.60 | $0.00 | $2973.20 | $1493.60 | $1493.60 | $1483.39 | $1483.39 | $0.00 | $1444.44 | $2966.78 | $0.00 | $0.00 | 011000001000002111234321 | 123432111200000100000110 | 2025-12-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $4500.00000<br> $4000.00000<br> $2871.19000<br> $3000.00000<br> $1655.80000<br> $1675.56000<br> $0.00000<br> $4013.83000<br> $1493.60000<br> $1493.60000<br> $1493.60000<br> $1493.60000<br> $0.00000<br> $2973.20000<br> $1493.60000<br> $1493.60000<br> $1483.39000<br> $1483.39000<br> $0.00000<br> $1444.44000<br> $2966.78000<br> $0.00000<br> $0.00000 | 118.400% | 68.500% | 68.000% | 85.600% | $1709.55 | $41029.18 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $406446.59 | 3.625% | $2061.35 | $2585.57 | 2026-01-01 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,585.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,061.35 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $406,446.59. | $4892.65 | $6126.93 | $3606.71 | $6145.07 | $3606.71 | $2538.36 | $2641.43 | $2538.36 | $0.00 | $2538.36 | $5076.72 | $0.00 | $5351.24 | $0.00 | $5171.14 | $2585.57 | $2585.57 | $0.00 | $5171.14 | $2585.57 | $0.00 | $10342.28 | $0.00 | $0.00 | 010010001010110000011222 | 222110000011010100010010 | 2025-12-18 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4892.65000<br> $6126.93000<br> $3606.71000<br> $6145.07000<br> $3606.71000<br> $2538.36000<br> $2641.43000<br> $2538.36000<br> $0.00000<br> $2538.36000<br> $5076.72000<br> $0.00000<br> $5351.24000<br> $0.00000<br> $5171.14000<br> $2585.57000<br> $2585.57000<br> $0.00000<br> $5171.14000<br> $2585.57000<br> $0.00000<br> $10342.28000<br> $0.00000<br> $0.00000 | 118.500% | 133.300% | 116.700% | 108.900% | $3062.66 | $73503.81 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $187396.56 | 2.500% | $863.34 | $1586.48 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,586.48 (xx), which was applied for the due date of xx/xx/2025. The current xxis $863.34 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $187,396.56. | $1266.72 | $3610.12 | $3060.12 | $0.00 | $1710.06 | $2310.12 | $0.00 | $1155.06 | $1155.06 | $1255.06 | $2310.12 | $0.00 | $2690.75 | $1535.69 | $0.00 | $3071.38 | $0.00 | $1535.69 | $3122.17 | $1586.48 | $0.00 | $1586.48 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1266.72000<br> $3610.12000<br> $3060.12000<br> $0.00000<br> $1710.06000<br> $2310.12000<br> $0.00000<br> $1155.06000<br> $1155.06000<br> $1255.06000<br> $2310.12000<br> $0.00000<br> $2690.75000<br> $1535.69000<br> $0.00000<br> $3071.38000<br> $0.00000<br> $1535.69000<br> $3122.17000<br> $1586.48000<br> $0.00000<br> $1586.48000<br> $0.00000<br> $0.00000 | 86.600% | 33.300% | 66.100% | 79.500% | $1373.38 | $32961.08 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $234002.42 | 3.250% | $1123.00 | $1572.93 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,572.93 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,123.00 with an interest rate of 3.25%. The current UPB reflected as per the payment history is $234,002.42. | $1549.57 | $1549.57 | $0.00 | $1549.57 | $1549.57 | $1504.65 | $1504.65 | $1504.65 | $1855.80 | $1504.65 | $1504.65 | $1504.65 | $1572.93 | $1572.93 | $1572.93 | $1572.93 | $1572.93 | $1572.93 | $1572.93 | $3145.86 | $1622.93 | $1617.85 | $0.00 | $0.00 | 0001111111111111111 0000 | 0000 1111111111111111000 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1549.57000<br> $1549.57000<br> $0.00000<br> $1549.57000<br> $1549.57000<br> $1504.65000<br> $1504.65000<br> $1504.65000<br> $1855.80000<br> $1504.65000<br> $1504.65000<br> $1504.65000<br> $1572.93000<br> $1572.93000<br> $1572.93000<br> $1572.93000<br> $1572.93000<br> $1572.93000<br> $1572.93000<br> $3145.86000<br> $1622.93000<br> $1617.85000<br> $0.00000<br> $0.00000 | 91.300% | 34.300% | 84.300% | 92.200% | $1436.63 | $34479.13 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $485755.34 | 2.000% | $1983.74 | $1983.74 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,983.74, which was applied for the due date of xx/xx/2025. The current xxis $1,983.74 with an interest rate of 2.00%. The current UPB as per the payment history is $485,755.34. | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $1983.74 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $1983.74000<br> $0.00000<br> $0.00000 | 91.700% | 33.300% | 66.700% | 83.300% | $1818.43 | $43642.28 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $186432.26 | 2.875% | $870.03 | $1784.59 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,784.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $870.03 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $186,432.26. | $2021.47 | $2021.47 | $2021.47 | $2021.47 | $2021.47 | $2021.47 | $4021.47 | $2021.47 | $2021.47 | $2021.47 | $2021.47 | $1705.13 | $1705.13 | $1705.13 | $1705.13 | $1705.13 | $1705.13 | $1705.13 | $1784.59 | $1784.59 | $1784.59 | $1784.59 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2021.47000<br> $2021.47000<br> $2021.47000<br> $2021.47000<br> $2021.47000<br> $2021.47000<br> $4021.47000<br> $2021.47000<br> $2021.47000<br> $2021.47000<br> $2021.47000<br> $1705.13000<br> $1705.13000<br> $1705.13000<br> $1705.13000<br> $1705.13000<br> $1705.13000<br> $1705.13000<br> $1784.59000<br> $1784.59000<br> $1784.59000<br> $1784.59000<br> $0.00000<br> $0.00000 | 101.100% | 33.300% | 66.700% | 81.100% | $1804.60 | $43310.44 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $346816.00 | 3.990% | $1812.09 | $3535.91 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,535.91 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,812.09 with an interest rate of 3.990%. The current UPB reflected as per the payment history is $346,816.00. | $3240.66 | $3261.67 | $3240.66 | $3261.49 | $3240.66 | $3240.66 | $3758.42 | $3260.66 | $3385.25 | $3420.25 | $3385.25 | $3385.25 | $3400.48 | $3435.25 | $3385.25 | $3544.90 | $3385.25 | $3385.25 | $3405.78 | $7071.82 | $0.00 | $4386.06 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3240.66000<br> $3261.67000<br> $3240.66000<br> $3261.49000<br> $3240.66000<br> $3240.66000<br> $3758.42000<br> $3260.66000<br> $3385.25000<br> $3420.25000<br> $3385.25000<br> $3385.25000<br> $3400.48000<br> $3435.25000<br> $3385.25000<br> $3544.90000<br> $3385.25000<br> $3385.25000<br> $3405.78000<br> $7071.82000<br> $0.00000<br> $4386.06000<br> $0.00000<br> $0.00000 | 88.900% | 41.300% | 70.100% | 83.400% | $3145.04 | $75480.92 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $405591.21 | 3.250% | $1932.32 | $3292.80 | 2026-01-01 | 2025-12-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3292.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,932.32 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $405,591.21. | $4121.63 | $2894.57 | $2894.57 | $2894.57 | $3538.31 | $9275.21 | $0.00 | $3018.99 | $5089.45 | $3018.99 | $3018.99 | $3018.99 | $4696.02 | $3018.99 | $3018.99 | $0.00 | $9969.81 | $3292.80 | $3292.80 | $3389.42 | $3143.51 | $9885.34 | $0.00 | $0.00 | 121111211111111102111110 | 011111201111111112111121 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4121.63000<br> $2894.57000<br> $2894.57000<br> $2894.57000<br> $3538.31000<br> $9275.21000<br> $0.00000<br> $3018.99000<br> $5089.45000<br> $3018.99000<br> $3018.99000<br> $3018.99000<br> $4696.02000<br> $3018.99000<br> $3018.99000<br> $0.00000<br> $9969.81000<br> $3292.80000<br> $3292.80000<br> $3389.42000<br> $3143.51000<br> $9885.34000<br> $0.00000<br> $0.00000 | 109.400% | 100.100% | 99.800% | 110.600% | $3603.83 | $86491.95 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $172873.64 | 2.625% | $1668.27 | $2224.37 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,224.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,668.27 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $172,873.64. | $2230.71 | $2230.71 | $2230.71 | $2230.71 | $2230.71 | $2230.71 | $2230.71 | $2230.71 | $2230.71 | $2230.71 | $2230.71 | $2230.71 | $2074.00 | $4297.65 | $2374.00 | $2223.65 | $2223.65 | $2223.65 | $2223.65 | $0.00 | $4448.74 | $2224.37 | $0.00 | $0.00 | 001000000000000000000000 | 000000000000000000000100 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2230.71000<br> $2230.71000<br> $2230.71000<br> $2230.71000<br> $2230.71000<br> $2230.71000<br> $2230.71000<br> $2230.71000<br> $2230.71000<br> $2230.71000<br> $2230.71000<br> $2230.71000<br> $2074.00000<br> $4297.65000<br> $2374.00000<br> $2223.65000<br> $2223.65000<br> $2223.65000<br> $2223.65000<br> $0.00000<br> $4448.74000<br> $2224.37000<br> $0.00000<br> $0.00000 | 95.700% | 33.300% | 66.700% | 91.100% | $2128.41 | $51081.88 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $201535.63 | 4.000% | $1135.81 | $1360.17 | 2026-01-01 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,360.17 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,135.81 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $201,535.63. | $2694.64 | $0.00 | $1347.32 | $2694.64 | $1347.32 | $0.00 | $2694.64 | $1347.32 | $0.00 | $1347.43 | $2707.49 | $1360.17 | $1360.17 | $1360.17 | $1360.17 | $1360.17 | $0.00 | $1360.17 | $1360.17 | $1360.17 | $1360.17 | $2720.45 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2694.64000<br> $0.00000<br> $1347.32000<br> $2694.64000<br> $1347.32000<br> $0.00000<br> $2694.64000<br> $1347.32000<br> $0.00000<br> $1347.43000<br> $2707.49000<br> $1360.17000<br> $1360.17000<br> $1360.17000<br> $1360.17000<br> $1360.17000<br> $0.00000<br> $1360.17000<br> $1360.17000<br> $1360.17000<br> $1360.17000<br> $2720.45000<br> $0.00000<br> $0.00000 | 95.400% | 66.700% | 83.300% | 83.300% | $1297.62 | $31142.78 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $302513.78 | 3.500% | $1557.51 | $2941.02 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,941.02 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,557.51 with an interest rate of 3.500%. The current UPB is $302,513.78. | $3000.10 | $3000.10 | $2710.67 | $2710.67 | $2710.67 | $2710.67 | $2710.67 | $2710.67 | $2710.67 | $2710.67 | $2710.67 | $2710.67 | $2710.67 | $2710.67 | $2941.02 | $2941.02 | $2941.02 | $2941.02 | $2941.02 | $2941.02 | $2941.02 | $2941.02 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3000.10000<br> $3000.10000<br> $2710.67000<br> $2710.67000<br> $2710.67000<br> $2710.67000<br> $2710.67000<br> $2710.67000<br> $2710.67000<br> $2710.67000<br> $2710.67000<br> $2710.67000<br> $2710.67000<br> $2710.67000<br> $2941.02000<br> $2941.02000<br> $2941.02000<br> $2941.02000<br> $2941.02000<br> $2941.02000<br> $2941.02000<br> $2941.02000<br> $0.00000<br> $0.00000 | 87.900% | 33.300% | 66.700% | 82.000% | $2585.68 | $62056.40 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $326429.37 | 2.375% | $1465.22 | $1742.85 | 2026-01-01 | 2026-02-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,742.85 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,465.22 with an interest rate of 2.375%. The current UPB reflected as per the payment history is $326,429.37. | $936.19 | $3554.36 | $1777.18 | $0.00 | $1777.18 | $3554.36 | $1777.18 | $0.00 | $3501.60 | $1789.63 | $1750.80 | $1750.80 | $1954.61 | $0.00 | $3501.60 | $1750.80 | $1750.80 | $1750.80 | $1750.80 | $0.00 | $1742.85 | $3542.21 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $936.19000<br> $3554.36000<br> $1777.18000<br> $0.00000<br> $1777.18000<br> $3554.36000<br> $1777.18000<br> $0.00000<br> $3501.60000<br> $1789.63000<br> $1750.80000<br> $1750.80000<br> $1954.61000<br> $0.00000<br> $3501.60000<br> $1750.80000<br> $1750.80000<br> $1750.80000<br> $1750.80000<br> $0.00000<br> $1742.85000<br> $3542.21000<br> $0.00000<br> $0.00000 | 95.400% | 67.700% | 67.300% | 84.800% | $1663.07 | $39913.75 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $330581.00 | 3.250% | $1580.59 | $2617.21 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,617.21 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,580.59 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $330,581.00. | $2552.96 | $2552.96 | $2552.96 | $2552.96 | $2552.96 | $2552.96 | $2552.96 | $2552.96 | $2552.96 | $2552.96 | $2552.96 | $2617.21 | $2617.21 | $2617.21 | $2617.21 | $2617.21 | $2617.21 | $2617.21 | $2617.21 | $2617.21 | $2617.21 | $2617.21 | $0.00 | $0.00 | 00000000000000000000000M | M00000000000000000000000 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2552.96000<br> $2552.96000<br> $2552.96000<br> $2552.96000<br> $2552.96000<br> $2552.96000<br> $2552.96000<br> $2552.96000<br> $2552.96000<br> $2552.96000<br> $2552.96000<br> $2617.21000<br> $2617.21000<br> $2617.21000<br> $2617.21000<br> $2617.21000<br> $2617.21000<br> $2617.21000<br> $2617.21000<br> $2617.21000<br> $2617.21000<br> $2617.21000<br> $0.00000<br> $0.00000 | 90.500% | 33.300% | 66.700% | 83.300% | $2369.66 | $56871.87 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $106048.52 | 2.875% | $1942.83 | $2510.43 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,510.43 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,942.83 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $106,048.52. | $2614.19 | $2614.19 | $2614.19 | $2614.19 | $2614.19 | $2614.19 | $2614.19 | $2614.19 | $2614.19 | $2614.19 | $2614.19 | $2614.19 | $2510.43 | $2510.43 | $2510.43 | $2510.43 | $2510.43 | $2510.43 | $2510.43 | $2510.43 | $2510.43 | $2510.43 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2614.19000<br> $2614.19000<br> $2614.19000<br> $2614.19000<br> $2614.19000<br> $2614.19000<br> $2614.19000<br> $2614.19000<br> $2614.19000<br> $2614.19000<br> $2614.19000<br> $2614.19000<br> $2510.43000<br> $2510.43000<br> $2510.43000<br> $2510.43000<br> $2510.43000<br> $2510.43000<br> $2510.43000<br> $2510.43000<br> $2510.43000<br> $2510.43000<br> $0.00000<br> $0.00000 | 93.700% | 33.300% | 66.700% | 83.300% | $2353.11 | $56474.58 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $325572.73 | 2.500% | $1458.00 | $2456.07 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,456.07 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,458.00 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $325,572.73. | $2510.42 | $2510.42 | $2510.42 | $2510.42 | $2510.42 | $2510.42 | $2510.42 | $2510.42 | $2564.22 | $2584.96 | $2564.22 | $2564.22 | $2564.22 | $2564.22 | $2564.22 | $2564.22 | $2564.22 | $2564.22 | $2564.22 | $2564.22 | $2522.93 | $2543.96 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2510.42000<br> $2510.42000<br> $2510.42000<br> $2510.42000<br> $2510.42000<br> $2510.42000<br> $2510.42000<br> $2510.42000<br> $2564.22000<br> $2584.96000<br> $2564.22000<br> $2564.22000<br> $2564.22000<br> $2564.22000<br> $2564.22000<br> $2564.22000<br> $2564.22000<br> $2564.22000<br> $2564.22000<br> $2564.22000<br> $2522.93000<br> $2543.96000<br> $0.00000<br> $0.00000 | 94.900% | 34.500% | 69.200% | 86.800% | $2330.90 | $55941.63 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $202219.84 | 2.250% | $901.47 | $1228.69 | 2026-01-07 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,228.69 (xx), which was applied for the due date of xx/xx/2026. The current xxis $901.47 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $202,219.84. | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $1355.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $1355.00000<br> $0.00000 | 105.700% | 73.500% | 91.900% | 101.100% | $1298.54 | $31165.00 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $232869.78 | 4.000% | $1015.90 | $1911.34 | 2026-01-16 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,911.34 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,015.90 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $232,869.78. | $2043.45 | $2043.45 | $2043.45 | $2043.45 | $2043.45 | $2043.45 | $2043.45 | $2043.45 | $2043.45 | $2043.45 | $2043.45 | $1911.34 | $1911.34 | $1911.34 | $1911.34 | $1911.34 | $1911.34 | $1911.34 | $1911.34 | $1911.34 | $1911.34 | $1911.34 | $1911.34 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2043.45000<br> $2043.45000<br> $2043.45000<br> $2043.45000<br> $2043.45000<br> $2043.45000<br> $2043.45000<br> $2043.45000<br> $2043.45000<br> $2043.45000<br> $2043.45000<br> $1911.34000<br> $1911.34000<br> $1911.34000<br> $1911.34000<br> $1911.34000<br> $1911.34000<br> $1911.34000<br> $1911.34000<br> $1911.34000<br> $1911.34000<br> $1911.34000<br> $1911.34000<br> $0.00000 | 99.000% | 66.700% | 83.300% | 91.700% | $1892.25 | $45414.03 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $183663.58 | 2.250% | $855.40 | $1416.53 | 2026-01-16 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,416.53 (xx), which was applied for the due date of xx/xx/2025. The current xxis $855.40 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $183,663.58.<br>| $1343.09 | $1343.09 | $2589.61 | $1343.09 | $1511.64 | $1511.64 | $1511.64 | $2041.01 | $1511.64 | $1511.64 | $1511.64 | $1511.64 | $1511.64 | $1511.64 | $2822.70 | $1511.64 | $1416.53 | $0.00 | $1716.53 | $3026.62 | $0.00 | $2833.06 | $0.00 | $0.00 | 010110000000000000000000 | 000000000000000000011010 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1343.09000<br> $1343.09000<br> $2589.61000<br> $1343.09000<br> $1511.64000<br> $1511.64000<br> $1511.64000<br> $2041.01000<br> $1511.64000<br> $1511.64000<br> $1511.64000<br> $1511.64000<br> $1511.64000<br> $1511.64000<br> $2822.70000<br> $1511.64000<br> $1416.53000<br> $0.00000<br> $1716.53000<br> $3026.62000<br> $0.00000<br> $2833.06000<br> $0.00000<br> $0.00000 | 104.700% | 66.700% | 89.100% | 96.200% | $1482.99 | $35591.73 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $160088.20 | 3.000% | $762.27 | $1252.57 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,252.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $762.27 with an interest rate of 3.000%. The current UPB, reflected as per the payment history, is $160,088.20. | $1172.49 | $3172.49 | $1172.49 | $1282.05 | $1282.05 | $1282.05 | $1282.05 | $1282.05 | $1282.05 | $1282.05 | $1282.05 | $1282.05 | $1282.05 | $1282.05 | $1282.05 | $1252.57 | $1252.57 | $1252.57 | $1252.57 | $1252.57 | $1252.57 | $1252.57 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1172.49000<br> $3172.49000<br> $1172.49000<br> $1282.05000<br> $1282.05000<br> $1282.05000<br> $1282.05000<br> $1282.05000<br> $1282.05000<br> $1282.05000<br> $1282.05000<br> $1282.05000<br> $1282.05000<br> $1282.05000<br> $1282.05000<br> $1252.57000<br> $1252.57000<br> $1252.57000<br> $1252.57000<br> $1252.57000<br> $1252.57000<br> $1252.57000<br> $0.00000<br> $0.00000 | 98.700% | 33.300% | 66.700% | 83.900% | $1236.25 | $29670.06 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $133120.31 | 4.125% | $872.37 | $872.37 | 2026-01-01 | 2026-03-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $872.37 (xx), which was applied for the due date of xx/xx/2026. The current xxis $872.37 with an interest rate of 4.125%. The current UPB reflected as per the payment history is $133,120.31. | $1272.37 | $1181.37 | $1182.37 | $1247.37 | $1227.46 | $1222.37 | $1222.37 | $1222.37 | $1222.37 | $1172.37 | $1222.37 | $1197.37 | $1197.37 | $1172.37 | $1122.37 | $1172.37 | $0.00 | $1172.37 | $1007.37 | $1072.37 | $1072.37 | $2244.74 | $0.00 | $0.00 | 00000000000000000000000M | M00000000000000000000000 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1272.37000<br> $1181.37000<br> $1182.37000<br> $1247.37000<br> $1227.46000<br> $1222.37000<br> $1222.37000<br> $1222.37000<br> $1222.37000<br> $1172.37000<br> $1222.37000<br> $1197.37000<br> $1197.37000<br> $1172.37000<br> $1122.37000<br> $1172.37000<br> $0.00000<br> $1172.37000<br> $1007.37000<br> $1072.37000<br> $1072.37000<br> $2244.74000<br> $0.00000<br> $0.00000 | 123.400% | 85.800% | 103.100% | 107.300% | $1076.09 | $25826.23 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $323131.20 | 2.375% | $1420.52 | $2243.89 | 2026-01-05 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,243.89 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,420.52 with an interest rate of 2.375%. The current UPB reflected as per the payment history is $323,131.20. | $2265.00 | $2265.00 | $2265.00 | $2255.00 | $2265.00 | $2265.00 | $2265.00 | $2265.00 | $2253.00 | $2326.49 | $2252.15 | $2255.00 | $2252.15 | $2252.15 | $2255.00 | $2255.00 | $2255.00 | $2255.00 | $2245.00 | $2245.00 | $2250.00 | $2317.58 | $2243.89 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2265.00000<br> $2265.00000<br> $2265.00000<br> $2255.00000<br> $2265.00000<br> $2265.00000<br> $2265.00000<br> $2265.00000<br> $2253.00000<br> $2326.49000<br> $2252.15000<br> $2255.00000<br> $2252.15000<br> $2252.15000<br> $2255.00000<br> $2255.00000<br> $2255.00000<br> $2255.00000<br> $2245.00000<br> $2245.00000<br> $2250.00000<br> $2317.58000<br> $2243.89000<br> $0.00000 | 96.600% | 67.800% | 83.900% | 92.200% | $2167.60 | $52022.41 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $232337.24 | 2.500% | $1074.04 | $1375.78 | 2026-01-02 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,375.78 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,074.04 with an interest rate of 2.500%. The current UPB reflected as per the payment history is $232,337.24.<br>| $0.00 | $1364.71 | $1364.71 | $1364.71 | $1364.71 | $1364.71 | $1375.84 | $1370.42 | $1369.49 | $1438.39 | $1369.49 | $1369.49 | $1369.49 | $1369.49 | $1369.49 | $1370.63 | $1371.00 | $2211.67 | $1371.00 | $1392.69 | $1392.69 | $3130.81 | $1375.78 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $1364.71000<br> $1364.71000<br> $1364.71000<br> $1364.71000<br> $1364.71000<br> $1375.84000<br> $1370.42000<br> $1369.49000<br> $1438.39000<br> $1369.49000<br> $1369.49000<br> $1369.49000<br> $1369.49000<br> $1369.49000<br> $1370.63000<br> $1371.00000<br> $2211.67000<br> $1371.00000<br> $1392.69000<br> $1392.69000<br> $3130.81000<br> $1375.78000<br> $0.00000 | 99.500% | 109.200% | 104.900% | 107.400% | $1368.39 | $32841.41 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $622055.01 | 2.875% | $2845.50 | $2845.50 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,845.50 which was applied for the due date of xx/xx/2025. The current xxis $2,845.50 with an interest rate of 2.875%. The current UPB, reflected as per the payment history, is $622,055.01. | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $2845.50 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $2845.50000<br> $0.00000<br> $0.00000 | 91.700% | 33.300% | 66.700% | 83.300% | $2608.38 | $62601.00 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $280850.68 | 2.990% | $1334.74 | $1716.84 | 2026-01-07 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,716.84 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,334.74 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $280,850.68.<br>| $1811.80 | $1811.80 | $1811.80 | $1811.80 | $1811.80 | $1811.80 | $1811.80 | $1811.80 | $1811.80 | $1811.80 | $1811.80 | $1766.84 | $1766.84 | $1766.84 | $1766.84 | $1766.84 | $1766.84 | $1766.84 | $1766.84 | $1766.84 | $1766.84 | $1766.84 | $1766.84 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-07 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1811.80000<br> $1811.80000<br> $1811.80000<br> $1811.80000<br> $1811.80000<br> $1811.80000<br> $1811.80000<br> $1811.80000<br> $1811.80000<br> $1811.80000<br> $1811.80000<br> $1766.84000<br> $1766.84000<br> $1766.84000<br> $1766.84000<br> $1766.84000<br> $1766.84000<br> $1766.84000<br> $1766.84000<br> $1766.84000<br> $1766.84000<br> $1766.84000<br> $1766.84000<br> $0.00000 | 99.800% | 68.600% | 85.800% | 94.300% | $1713.83 | $41131.88 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $940326.69 | 3.875% | $5562.38 | $7804.90 | 2026-01-14 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $7,804.90 (xx), which was applied for the due date of xx/xx/2026. The current xxis $5,562.38 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $940,326.69. | $7639.57 | $7639.57 | $7839.57 | $7810.00 | $7810.00 | $7810.00 | $7810.00 | $7810.00 | $7910.00 | $7991.77 | $7810.00 | $7810.00 | $7810.00 | $7810.00 | $11810.00 | $7804.90 | $8005.58 | $8197.90 | $7804.90 | $7804.90 | $7804.90 | $8773.55 | $7804.90 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $7639.57000<br> $7639.57000<br> $7839.57000<br> $7810.00000<br> $7810.00000<br> $7810.00000<br> $7810.00000<br> $7810.00000<br> $7910.00000<br> $7991.77000<br> $7810.00000<br> $7810.00000<br> $7810.00000<br> $7810.00000<br> $11810.00000<br> $7804.90000<br> $8005.58000<br> $8197.90000<br> $7804.90000<br> $7804.90000<br> $7804.90000<br> $8773.55000<br> $7804.90000<br> $0.00000 | 98.800% | 70.800% | 85.400% | 97.600% | $7713.42 | $185122.01 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $110147.70 | 2.750% | $571.54 | $772.06 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $772.06 (xx), which was applied for the due date of xx/xx/2025. The current xxis $571.54 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $110,147.70.<br>| $1064.32 | $1124.32 | $1076.22 | $1124.32 | $1124.32 | $1124.32 | $1144.32 | $1153.16 | $1124.32 | $974.32 | $1124.32 | $1124.32 | $1009.76 | $1061.66 | $967.15 | $959.76 | $909.76 | $959.76 | $909.76 | $1355.42 | $909.76 | $959.76 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1064.32000<br> $1124.32000<br> $1076.22000<br> $1124.32000<br> $1124.32000<br> $1124.32000<br> $1144.32000<br> $1153.16000<br> $1124.32000<br> $974.32000<br> $1124.32000<br> $1124.32000<br> $1009.76000<br> $1061.66000<br> $967.15000<br> $959.76000<br> $909.76000<br> $959.76000<br> $909.76000<br> $1355.42000<br> $909.76000<br> $959.76000<br> $0.00000<br> $0.00000 | 125.700% | 41.400% | 89.300% | 108.000% | $970.21 | $23285.13 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $147688.29 | 2.625% | $714.94 | $1744.90 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,744.90 (xx), which was applied for the due date of xx/xx/2025. The current xxis $714.94 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $147,688.29. | $1791.47 | $1791.47 | $1791.47 | $1791.47 | $1791.47 | $1791.47 | $1791.47 | $1791.47 | $1974.80 | $1988.85 | $1974.80 | $1974.80 | $1974.80 | $1974.80 | $1974.80 | $1974.80 | $1974.80 | $1974.80 | $1974.80 | $1974.80 | $1844.90 | $1863.32 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1791.47000<br> $1791.47000<br> $1791.47000<br> $1791.47000<br> $1791.47000<br> $1791.47000<br> $1791.47000<br> $1791.47000<br> $1974.80000<br> $1988.85000<br> $1974.80000<br> $1974.80000<br> $1974.80000<br> $1974.80000<br> $1974.80000<br> $1974.80000<br> $1974.80000<br> $1974.80000<br> $1974.80000<br> $1974.80000<br> $1844.90000<br> $1863.32000<br> $0.00000<br> $0.00000 | 99.700% | 35.600% | 73.100% | 93.200% | $1739.65 | $41751.63 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $93961.43 | 3.375% | $454.44 | $659.18 | 2026-01-15 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $659.18 (xx), which was applied for the due date of xx/xx/2026. The current xxis $454.44 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $93,961.43. | $683.17 | $683.17 | $683.17 | $683.17 | $683.17 | $683.17 | $683.17 | $683.17 | $683.17 | $681.96 | $649.68 | $649.68 | $649.68 | $649.68 | $649.68 | $649.68 | $649.68 | $649.68 | $649.68 | $649.68 | $649.68 | $694.68 | $659.18 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $683.17000<br> $683.17000<br> $683.17000<br> $683.17000<br> $683.17000<br> $683.17000<br> $683.17000<br> $683.17000<br> $683.17000<br> $681.96000<br> $649.68000<br> $649.68000<br> $649.68000<br> $649.68000<br> $649.68000<br> $649.68000<br> $649.68000<br> $649.68000<br> $649.68000<br> $649.68000<br> $649.68000<br> $694.68000<br> $659.18000<br> $0.00000 | 96.900% | 68.500% | 83.500% | 91.000% | $638.78 | $15330.83 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $332119.62 | 2.875% | $1525.90 | $2235.37 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,235.37 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,525.90 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $332,119.62. | $2190.13 | $2190.13 | $2190.13 | $2190.13 | $2077.94 | $2077.94 | $2077.94 | $2077.94 | $2077.94 | $2077.94 | $2077.94 | $2077.94 | $2077.94 | $2077.94 | $2077.94 | $2077.94 | $2235.27 | $2235.27 | $2235.27 | $2235.27 | $2235.27 | $2235.27 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2190.13000<br> $2190.13000<br> $2190.13000<br> $2190.13000<br> $2077.94000<br> $2077.94000<br> $2077.94000<br> $2077.94000<br> $2077.94000<br> $2077.94000<br> $2077.94000<br> $2077.94000<br> $2077.94000<br> $2077.94000<br> $2077.94000<br> $2077.94000<br> $2235.27000<br> $2235.27000<br> $2235.27000<br> $2235.27000<br> $2235.27000<br> $2235.27000<br> $0.00000<br> $0.00000 | 87.800% | 33.300% | 66.700% | 81.000% | $1962.81 | $47107.42 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $1163655.60 | 3.250% | $5474.05 | $6968.56 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $6,968.56 (xx), which was applied for the due date of xx/xx/2025. The current xxis $5,474.05 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $1,163,655.60. | $6821.26 | $6821.26 | $10084.54 | $6789.87 | $6789.87 | $6789.87 | $6789.87 | $6789.87 | $6789.87 | $6878.46 | $6789.87 | $6789.87 | $6789.87 | $6789.87 | $6764.08 | $6764.08 | $6764.08 | $6764.08 | $6764.08 | $6968.56 | $6968.56 | $7098.95 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-03 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $6821.26000<br> $6821.26000<br> $10084.54000<br> $6789.87000<br> $6789.87000<br> $6789.87000<br> $6789.87000<br> $6789.87000<br> $6789.87000<br> $6878.46000<br> $6789.87000<br> $6789.87000<br> $6789.87000<br> $6789.87000<br> $6764.08000<br> $6764.08000<br> $6764.08000<br> $6764.08000<br> $6764.08000<br> $6968.56000<br> $6968.56000<br> $7098.95000<br> $0.00000<br> $0.00000 | 91.700% | 34.000% | 66.500% | 81.800% | $6390.03 | $153360.69 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $404468.41 | 2.750% | $1891.79 | $2728.53 | 2026-01-14 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,728.53 (xx), which was applied to the due date of xx/xx/2026. The current xxis $1,891.79 with an interest rate of 2.750%. The current UPB as reflected in the payment history is $404,468.41. | $2649.31 | $5298.62 | $0.00 | $5298.62 | $0.00 | $2649.31 | $2649.31 | $5298.62 | $2671.09 | $2766.87 | $3147.44 | $0.00 | $2671.09 | $5342.18 | $0.00 | $2671.09 | $2671.09 | $2671.09 | $2671.09 | $5342.18 | $0.00 | $2835.98 | $2764.72 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2649.31000<br> $5298.62000<br> $0.00000<br> $5298.62000<br> $0.00000<br> $2649.31000<br> $2649.31000<br> $5298.62000<br> $2671.09000<br> $2766.87000<br> $3147.44000<br> $0.00000<br> $2671.09000<br> $5342.18000<br> $0.00000<br> $2671.09000<br> $2671.09000<br> $2671.09000<br> $2671.09000<br> $5342.18000<br> $0.00000<br> $2835.98000<br> $2764.72000<br> $0.00000 | 94.800% | 68.400% | 83.200% | 90.500% | $2586.24 | $62069.70 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $109362.26 | 2.000% | $497.73 | $1019.31 | 2026-01-16 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,019.31 (xx), which was applied for the due date of xx/xx/2025. The current xxis $497.73 with an interest rate of 2.000%. The current UPB reflected as per the payment history is $109,362.26. | $1447.55 | $1447.55 | $997.29 | $0.00 | $2048.07 | $1024.00 | $1024.48 | $1024.00 | $1024.00 | $0.00 | $997.29 | $0.00 | $2200.00 | $3227.90 | $1031.21 | $2256.21 | $1081.10 | $1085.00 | $1085.00 | $1085.00 | $0.00 | $2160.00 | $0.00 | $0.00 | 010000000121100000100000 | 000001000001121000000010 | 2025-12-19 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1447.55000<br> $1447.55000<br> $997.29000<br> $0.00000<br> $2048.07000<br> $1024.00000<br> $1024.48000<br> $1024.00000<br> $1024.00000<br> $0.00000<br> $997.29000<br> $0.00000<br> $2200.00000<br> $3227.90000<br> $1031.21000<br> $2256.21000<br> $1081.10000<br> $1085.00000<br> $1085.00000<br> $1085.00000<br> $0.00000<br> $2160.00000<br> $0.00000<br> $0.00000 | 107.300% | 70.600% | 70.800% | 124.400% | $1093.57 | $26245.65 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $175931.66 | 4.375% | $995.60 | $2081.01 | 2026-01-08 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,081.01 (xx), which was applied for the due date of xx/xx/2026. The current xxis $995.60 with an interest rate of 4.375%. The current UPB is $175,931.66. | $2038.56 | $2056.17 | $2038.56 | $2055.79 | $2038.56 | $2038.56 | $2074.99 | $2058.47 | $2058.47 | $2084.75 | $5166.68 | $2084.63 | $2104.88 | $2084.63 | $2084.63 | $2105.94 | $2084.63 | $2084.63 | $2105.24 | $2081.01 | $2081.01 | $2109.53 | $2081.01 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2038.56000<br> $2056.17000<br> $2038.56000<br> $2055.79000<br> $2038.56000<br> $2038.56000<br> $2074.99000<br> $2058.47000<br> $2058.47000<br> $2084.75000<br> $5166.68000<br> $2084.63000<br> $2104.88000<br> $2084.63000<br> $2084.63000<br> $2105.94000<br> $2084.63000<br> $2084.63000<br> $2105.24000<br> $2081.01000<br> $2081.01000<br> $2109.53000<br> $2081.01000<br> $0.00000 | 101.700% | 67.100% | 83.800% | 92.100% | $2116.72 | $50801.33 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $175252.93 | 3.125% | $889.03 | $1294.00 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,294.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $889.03 with an interest rate of 3.125%. The current UPB is $175,252.93.<br>| $1180.00 | $1178.08 | $1789.25 | $0.00 | $2356.16 | $1178.08 | $1178.08 | $1178.08 | $1142.52 | $1142.52 | $1142.52 | $1142.52 | $1294.00 | $1294.00 | $1294.00 | $1160.33 | $2588.00 | $1294.00 | $1294.00 | $2113.70 | $1294.00 | $1294.00 | $0.00 | $0.00 | 000000100000000000100000 | 000001000000000001000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1180.00000<br> $1178.08000<br> $1789.25000<br> $0.00000<br> $2356.16000<br> $1178.08000<br> $1178.08000<br> $1178.08000<br> $1142.52000<br> $1142.52000<br> $1142.52000<br> $1142.52000<br> $1294.00000<br> $1294.00000<br> $1294.00000<br> $1160.33000<br> $2588.00000<br> $1294.00000<br> $1294.00000<br> $2113.70000<br> $1294.00000<br> $1294.00000<br> $0.00000<br> $0.00000 | 95.100% | 33.300% | 77.200% | 96.100% | $1230.33 | $29527.84 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $237365.54 | 2.250% | $1028.44 | $1638.94 | 2026-01-16 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,638.94 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,028.44 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $237,365.54. | $2043.34 | $1563.74 | $1579.69 | $1579.69 | $1579.69 | $1579.69 | $1579.69 | $1579.69 | $1579.69 | $1579.70 | $1579.70 | $1579.69 | $2711.01 | $1638.94 | $1638.94 | $1638.94 | $1638.94 | $1638.94 | $1638.94 | $1638.94 | $1638.94 | $1638.94 | $1680.08 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2043.34000<br> $1563.74000<br> $1579.69000<br> $1579.69000<br> $1579.69000<br> $1579.69000<br> $1579.69000<br> $1579.69000<br> $1579.69000<br> $1579.70000<br> $1579.70000<br> $1579.69000<br> $2711.01000<br> $1638.94000<br> $1638.94000<br> $1638.94000<br> $1638.94000<br> $1638.94000<br> $1638.94000<br> $1638.94000<br> $1638.94000<br> $1638.94000<br> $1680.08000<br> $0.00000 | 98.000% | 67.500% | 83.800% | 97.300% | $1606.06 | $38545.55 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $93555.79 | 2.625% | $929.39 | $1367.35 | 2026-01-15 | 2026-03-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,367.35 (xx), which was applied for the due date of xx/xx/2026. The current xxis $929.39 with an interest rate of 2.625%. The current UPB reflected as per the payment history is $93,555.79.<br>| $1300.00 | $1300.00 | $2354.35 | $2810.78 | $2238.75 | $1510.78 | $0.00 | $2750.00 | $0.00 | $1400.00 | $1400.00 | $2800.00 | $1400.00 | $1400.00 | $1400.00 | $261.61 | $2800.00 | $0.00 | $1400.00 | $1400.00 | $1400.00 | $1400.00 | $1400.00 | $0.00 | 00000000000000000000000M | M00000000000000000000000 | 2026-01-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1300.00000<br> $1300.00000<br> $2354.35000<br> $2810.78000<br> $2238.75000<br> $1510.78000<br> $0.00000<br> $2750.00000<br> $0.00000<br> $1400.00000<br> $1400.00000<br> $2800.00000<br> $1400.00000<br> $1400.00000<br> $1400.00000<br> $261.61000<br> $2800.00000<br> $0.00000<br> $1400.00000<br> $1400.00000<br> $1400.00000<br> $1400.00000<br> $1400.00000<br> $0.00000 | 104.000% | 68.300% | 85.300% | 86.900% | $1421.93 | $34126.27 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $204630.93 | 2.750% | $962.94 | $1537.69 | 2026-01-01 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,537.69 (xx), which was applied for the due date of xx/xx/2026. The current xxis $962.94 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $204,630.93. | $1807.87 | $1762.87 | $1762.87 | $1762.87 | $1762.87 | $1762.87 | $1762.87 | $1762.87 | $1762.87 | $1762.87 | $1892.18 | $8147.45 | $1592.69 | $1592.69 | $0.00 | $1537.69 | $1537.69 | $1537.69 | $1537.69 | $0.00 | $3075.38 | $1537.69 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-29 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1807.87000<br> $1762.87000<br> $1762.87000<br> $1762.87000<br> $1762.87000<br> $1762.87000<br> $1762.87000<br> $1762.87000<br> $1762.87000<br> $1762.87000<br> $1892.18000<br> $8147.45000<br> $1592.69000<br> $1592.69000<br> $0.00000<br> $1537.69000<br> $1537.69000<br> $1537.69000<br> $1537.69000<br> $0.00000<br> $3075.38000<br> $1537.69000<br> $0.00000<br> $0.00000 | 112.900% | 33.300% | 66.700% | 75.600% | $1735.94 | $41662.54 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $289896.33 | 2.250% | $1280.96 | $1817.61 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,817.61 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,280.96 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $289,896.33. | $1939.44 | $2118.62 | $1939.44 | $1939.44 | $1939.44 | $1939.44 | $1939.44 | $1939.44 | $3878.88 | $0.00 | $1939.44 | $1817.61 | $1817.61 | $1817.61 | $1817.61 | $1817.61 | $1817.61 | $1817.61 | $1817.61 | $1817.61 | $1817.61 | $1817.61 | $0.00 | $0.00 | 00000000000000000000000M | M00000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1939.44000<br> $2118.62000<br> $1939.44000<br> $1939.44000<br> $1939.44000<br> $1939.44000<br> $1939.44000<br> $1939.44000<br> $3878.88000<br> $0.00000<br> $1939.44000<br> $1817.61000<br> $1817.61000<br> $1817.61000<br> $1817.61000<br> $1817.61000<br> $1817.61000<br> $1817.61000<br> $1817.61000<br> $1817.61000<br> $1817.61000<br> $1817.61000<br> $0.00000<br> $0.00000 | 95.100% | 33.300% | 66.700% | 83.300% | $1729.45 | $41506.73 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $104593.87 | 4.250% | $705.61 | $1071.07 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,071.07 (xx), which was applied for the due date of xx/xx/2025. The current xxis $705.61 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $104,593.87. | $1054.00 | $2108.00 | $0.00 | $2108.00 | $1054.00 | $1054.00 | $1054.00 | $0.00 | $1054.00 | $1054.00 | $1054.00 | $1054.00 | $1018.88 | $1018.88 | $2037.76 | $0.00 | $1018.88 | $1018.88 | $1071.07 | $1071.07 | $2142.14 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-11-28 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1054.00000<br> $2108.00000<br> $0.00000<br> $2108.00000<br> $1054.00000<br> $1054.00000<br> $1054.00000<br> $0.00000<br> $1054.00000<br> $1054.00000<br> $1054.00000<br> $1054.00000<br> $1018.88000<br> $1018.88000<br> $2037.76000<br> $0.00000<br> $1018.88000<br> $1018.88000<br> $1071.07000<br> $1071.07000<br> $2142.14000<br> $0.00000<br> $0.00000<br> $0.00000 | 89.700% | 0.000% | 66.700% | 80.900% | $960.23 | $23045.56 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $240469.90 | 3.625% | $1179.95 | $1994.26 | 2026-01-02 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,994.26 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,179.95 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $240,469.90. | $0.00 | $1802.68 | $1802.68 | $1802.68 | $3605.36 | $0.00 | $1802.68 | $1805.50 | $1805.50 | $1805.50 | $3611.00 | $0.00 | $3816.29 | $0.00 | $2010.79 | $4021.58 | $0.00 | $2010.79 | $2010.79 | $3942.13 | $0.00 | $3988.52 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $1802.68000<br> $1802.68000<br> $1802.68000<br> $3605.36000<br> $0.00000<br> $1802.68000<br> $1805.50000<br> $1805.50000<br> $1805.50000<br> $3611.00000<br> $0.00000<br> $3816.29000<br> $0.00000<br> $2010.79000<br> $4021.58000<br> $0.00000<br> $2010.79000<br> $2010.79000<br> $3942.13000<br> $0.00000<br> $3988.52000<br> $0.00000<br> $0.00000 | 87.000% | 66.700% | 83.100% | 91.100% | $1735.19 | $41644.47 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $276531.12 | 3.375% | $1481.66 | $2165.92 | 2026-01-02 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,165.92 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,481.66 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $276,531.12. | $2012.90 | $2012.90 | $2012.90 | $2026.72 | $2026.72 | $2220.59 | $2026.72 | $2035.16 | $2035.16 | $2035.16 | $2035.16 | $2154.15 | $2035.16 | $2035.16 | $2035.16 | $2165.92 | $2165.92 | $2195.92 | $2165.92 | $2165.92 | $2165.92 | $2165.92 | $2165.92 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2012.90000<br> $2012.90000<br> $2012.90000<br> $2026.72000<br> $2026.72000<br> $2220.59000<br> $2026.72000<br> $2035.16000<br> $2035.16000<br> $2035.16000<br> $2035.16000<br> $2154.15000<br> $2035.16000<br> $2035.16000<br> $2035.16000<br> $2165.92000<br> $2165.92000<br> $2195.92000<br> $2165.92000<br> $2165.92000<br> $2165.92000<br> $2165.92000<br> $2165.92000<br> $0.00000 | 92.500% | 66.700% | 83.300% | 90.300% | $2004.05 | $48097.08 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $106178.85 | 2.875% | $1026.61 | $1225.77 | 2026-01-01 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,225.77 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,026.61 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $106,178.85. | $1307.52 | $1307.52 | $1330.54 | $1330.54 | $1330.54 | $1330.54 | $1330.54 | $1330.54 | $1236.81 | $1236.81 | $1236.81 | $1236.81 | $1275.00 | $1275.00 | $1275.00 | $1275.00 | $1275.00 | $1275.00 | $1275.00 | $1640.82 | $1275.00 | $1275.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1307.52000<br> $1307.52000<br> $1330.54000<br> $1330.54000<br> $1330.54000<br> $1330.54000<br> $1330.54000<br> $1330.54000<br> $1236.81000<br> $1236.81000<br> $1236.81000<br> $1236.81000<br> $1275.00000<br> $1275.00000<br> $1275.00000<br> $1275.00000<br> $1275.00000<br> $1275.00000<br> $1275.00000<br> $1640.82000<br> $1275.00000<br> $1275.00000<br> $0.00000<br> $0.00000 | 97.400% | 34.700% | 74.300% | 89.200% | $1194.22 | $28661.34 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $224374.98 | 2.250% | $995.75 | $1335.81 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,335.81 (xx), which was applied for the due date of xx/xx/2025. The current xxis $995.75 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $224,374.98. | $1428.31 | $1428.31 | $2199.14 | $1428.31 | $1566.31 | $1566.31 | $1566.31 | $1566.31 | $1566.31 | $1566.31 | $1566.31 | $1566.31 | $1566.31 | $1566.31 | $1566.31 | $1566.31 | $1535.81 | $1535.81 | $1535.81 | $1535.81 | $1535.81 | $1535.81 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1428.31000<br> $1428.31000<br> $2199.14000<br> $1428.31000<br> $1566.31000<br> $1566.31000<br> $1566.31000<br> $1566.31000<br> $1566.31000<br> $1566.31000<br> $1566.31000<br> $1566.31000<br> $1566.31000<br> $1566.31000<br> $1566.31000<br> $1566.31000<br> $1535.81000<br> $1535.81000<br> $1535.81000<br> $1535.81000<br> $1535.81000<br> $1535.81000<br> $0.00000<br> $0.00000 | 107.600% | 38.300% | 76.600% | 96.600% | $1437.28 | $34494.65 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $160191.50 | 5.999% | $1049.11 | $1418.00 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount $1,418.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,049.11 with an interest rate of 5.999%. The current UPB is $160,191.50. | $1423.73 | $1371.27 | $1371.27 | $1371.27 | $1371.27 | $1329.11 | $1329.11 | $1329.11 | $1329.11 | $1329.11 | $1329.11 | $1329.11 | $1329.11 | $1329.11 | $1431.03 | $1329.11 | $1329.11 | $1410.61 | $1410.61 | $1793.61 | $1410.61 | $1418.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1423.73000<br> $1371.27000<br> $1371.27000<br> $1371.27000<br> $1371.27000<br> $1329.11000<br> $1329.11000<br> $1329.11000<br> $1329.11000<br> $1329.11000<br> $1329.11000<br> $1329.11000<br> $1329.11000<br> $1329.11000<br> $1431.03000<br> $1329.11000<br> $1329.11000<br> $1410.61000<br> $1410.61000<br> $1793.61000<br> $1410.61000<br> $1418.00000<br> $0.00000<br> $0.00000 | 89.300% | 33.300% | 70.900% | 83.400% | $1266.81 | $30403.49 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $374670.50 | 2.750% | $1690.12 | $2436.40 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,436.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,690.12 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $374,670.50. | $2323.27 | $2335.69 | $2323.27 | $2332.15 | $2323.27 | $2323.27 | $2323.27 | $2334.04 | $2323.27 | $2419.97 | $2401.60 | $0.00 | $4868.01 | $2401.60 | $2401.60 | $2410.52 | $2401.60 | $2401.60 | $2412.95 | $2436.40 | $2436.40 | $2456.38 | $0.00 | $0.00 | 000000000010000000000000 | 000000000000010000000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2323.27000<br> $2335.69000<br> $2323.27000<br> $2332.15000<br> $2323.27000<br> $2323.27000<br> $2323.27000<br> $2334.04000<br> $2323.27000<br> $2419.97000<br> $2401.60000<br> $0.00000<br> $4868.01000<br> $2401.60000<br> $2401.60000<br> $2410.52000<br> $2401.60000<br> $2401.60000<br> $2412.95000<br> $2436.40000<br> $2436.40000<br> $2456.38000<br> $0.00000<br> $0.00000 | 89.600% | 33.600% | 66.600% | 91.100% | $2182.92 | $52390.13 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $51933.43 | 4.500% | $292.61 | $478.51 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $478.51 (xx), which was applied for the due date of xx/xx/2025. The current xxis $292.61 with an interest rate of 4.500%. The current UPB is $51,933.43. | $0.00 | $908.20 | $454.10 | $538.15 | $538.15 | $1237.29 | $538.15 | $538.15 | $919.13 | $506.06 | $506.06 | $506.06 | $506.06 | $506.06 | $506.06 | $506.06 | $506.06 | $506.06 | $506.06 | $506.06 | $506.06 | $478.51 | $0.00 | $0.00 | 000000000000000000000100 | 001000000000000000000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $908.20000<br> $454.10000<br> $538.15000<br> $538.15000<br> $1237.29000<br> $538.15000<br> $538.15000<br> $919.13000<br> $506.06000<br> $506.06000<br> $506.06000<br> $506.06000<br> $506.06000<br> $506.06000<br> $506.06000<br> $506.06000<br> $506.06000<br> $506.06000<br> $506.06000<br> $506.06000<br> $478.51000<br> $0.00000<br> $0.00000 | 106.400% | 33.300% | 69.500% | 87.700% | $509.27 | $12222.55 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $246936.51 | 2.250% | $1079.65 | $1553.57 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,553.57 (xx), which was applied to the due date of xx/xx/2025. The current xxis $1,079.65 with an interest rate of 2.250%. The current UPB, as reflected in the payment history, is $246,936.51. | $1549.82 | $1549.82 | $1549.82 | $1524.72 | $1524.72 | $1524.72 | $1524.72 | $1524.72 | $1524.72 | $1524.72 | $1524.72 | $1524.72 | $1524.72 | $1524.72 | $1524.72 | $1553.57 | $1553.57 | $1553.57 | $1553.57 | $1553.57 | $1553.57 | $1553.57 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1549.82000<br> $1549.82000<br> $1549.82000<br> $1524.72000<br> $1524.72000<br> $1524.72000<br> $1524.72000<br> $1524.72000<br> $1524.72000<br> $1524.72000<br> $1524.72000<br> $1524.72000<br> $1524.72000<br> $1524.72000<br> $1524.72000<br> $1553.57000<br> $1553.57000<br> $1553.57000<br> $1553.57000<br> $1553.57000<br> $1553.57000<br> $1553.57000<br> $0.00000<br> $0.00000 | 90.700% | 33.300% | 66.700% | 82.900% | $1409.21 | $33821.09 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $246708.09 | 3.000% | $1272.41 | $1898.61 | 2026-01-01 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,350.98 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,272.41 with an interest rate of 3.00%. The current UPB reflected as per the payment history is $246,708.09. | $2244.52 | $2244.52 | $2244.52 | $2244.52 | $2244.52 | $2244.52 | $2244.52 | $2244.52 | $2244.52 | $2428.29 | $2329.51 | $4659.02 | $2329.51 | $2329.51 | $2329.51 | $2329.51 | $2329.51 | $2329.51 | $2329.51 | $2329.51 | $2329.51 | $2440.08 | $2350.98 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2244.52000<br> $2244.52000<br> $2244.52000<br> $2244.52000<br> $2244.52000<br> $2244.52000<br> $2244.52000<br> $2244.52000<br> $2244.52000<br> $2428.29000<br> $2329.51000<br> $4659.02000<br> $2329.51000<br> $2329.51000<br> $2329.51000<br> $2329.51000<br> $2329.51000<br> $2329.51000<br> $2329.51000<br> $2329.51000<br> $2329.51000<br> $2440.08000<br> $2350.98000<br> $0.00000 | 121.500% | 84.100% | 103.400% | 113.100% | $2307.26 | $55374.15 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $425681.25 | 1.750% | $1746.93 | $2329.71 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,329.71 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,746.93 with an interest rate of 1.750%. The current UPB is $425,681.25. | $2225.00 | $2225.00 | $2225.00 | $2225.00 | $2250.00 | $2250.00 | $4525.00 | $2250.00 | $2500.00 | $0.00 | $2225.00 | $6755.00 | $2265.00 | $4538.81 | $2300.00 | $2300.00 | $2330.00 | $2330.00 | $2330.00 | $2330.00 | $2330.00 | $2330.00 | $0.00 | $0.00 | 000000000001000000000000 | 000000000000100000000000 | 2025-12-19 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2225.00000<br> $2225.00000<br> $2225.00000<br> $2225.00000<br> $2250.00000<br> $2250.00000<br> $4525.00000<br> $2250.00000<br> $2500.00000<br> $0.00000<br> $2225.00000<br> $6755.00000<br> $2265.00000<br> $4538.81000<br> $2300.00000<br> $2300.00000<br> $2330.00000<br> $2330.00000<br> $2330.00000<br> $2330.00000<br> $2330.00000<br> $2330.00000<br> $0.00000<br> $0.00000 | 102.000% | 33.300% | 66.700% | 90.800% | $2376.62 | $57038.81 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $431273.62 | 2.990% | $2126.38 | $3315.33 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,315.33 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,126.38 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $431,273.62. | $3510.47 | $3515.14 | $3510.47 | $3527.03 | $3510.47 | $3510.47 | $3539.48 | $3510.47 | $3510.47 | $3234.24 | $3507.37 | $3507.37 | $3517.37 | $3507.37 | $3507.37 | $3525.05 | $3507.37 | $3507.37 | $3532.16 | $3815.33 | $3815.33 | $4044.12 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3510.47000<br> $3515.14000<br> $3510.47000<br> $3527.03000<br> $3510.47000<br> $3510.47000<br> $3539.48000<br> $3510.47000<br> $3510.47000<br> $3234.24000<br> $3507.37000<br> $3507.37000<br> $3517.37000<br> $3507.37000<br> $3507.37000<br> $3525.05000<br> $3507.37000<br> $3507.37000<br> $3532.16000<br> $3815.33000<br> $3815.33000<br> $4044.12000<br> $0.00000<br> $0.00000 | 98.200% | 40.700% | 76.400% | 91.200% | $3257.18 | $78172.29 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $118230.05 | 4.750% | $691.46 | $1422.23 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,422.23 (xx), which was applied for the due date of xx/xx/2025. The current xxis $691.46 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $118,230.05. | $1292.09 | $1292.09 | $0.00 | $2584.18 | $0.00 | $2584.18 | $1292.09 | $0.00 | $2584.18 | $0.00 | $2730.04 | $1365.02 | $0.00 | $1365.02 | $1365.02 | $1365.02 | $1365.02 | $1365.02 | $1873.64 | $2844.46 | $0.00 | $1422.23 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1292.09000<br> $1292.09000<br> $0.00000<br> $2584.18000<br> $0.00000<br> $2584.18000<br> $1292.09000<br> $0.00000<br> $2584.18000<br> $0.00000<br> $2730.04000<br> $1365.02000<br> $0.00000<br> $1365.02000<br> $1365.02000<br> $1365.02000<br> $1365.02000<br> $1365.02000<br> $1873.64000<br> $2844.46000<br> $0.00000<br> $1422.23000<br> $0.00000<br> $0.00000 | 84.100% | 33.300% | 72.000% | 76.000% | $1195.39 | $28689.30 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $314588.13 | 5.990% | $2060.32 | $2471.87 | 2026-01-01 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,471.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,060.32 with an interest rate of 5.990%. The current UPB reflected as per the payment history is $314,588.13. | $2475.98 | $2475.98 | $2475.98 | $2488.73 | $2591.75 | $2488.73 | $0.00 | $2500.00 | $2706.04 | $34.85 | $0.00 | $0.00 | $1453.59 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $35889.52 | $2571.87 | $2481.87 | $0.00 | $0.00 | 000444444443211100000000 | 000000001112344444444000 | 2025-12-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2475.98000<br> $2475.98000<br> $2475.98000<br> $2488.73000<br> $2591.75000<br> $2488.73000<br> $0.00000<br> $2500.00000<br> $2706.04000<br> $34.85000<br> $0.00000<br> $0.00000<br> $1453.59000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $35889.52000<br> $2571.87000<br> $2481.87000<br> $0.00000<br> $0.00000 | 105.600% | 33.500% | 276.100% | 142.900% | $2609.79 | $62634.89 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $226432.58 | 3.250% | $1089.98 | $1491.20 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,491.20 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,089.98 with an interest rate of 3.250%. The current UPB is $226,432.58. | $1689.53 | $1689.53 | $1689.53 | $1689.53 | $1689.53 | $1689.53 | $1689.53 | $1689.53 | $1689.53 | $1733.91 | $1608.56 | $1608.56 | $1608.56 | $1608.56 | $1608.56 | $1608.56 | $1608.56 | $1608.56 | $1608.56 | $1608.56 | $1608.56 | $1632.30 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-10 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1689.53000<br> $1689.53000<br> $1689.53000<br> $1689.53000<br> $1689.53000<br> $1689.53000<br> $1689.53000<br> $1689.53000<br> $1689.53000<br> $1733.91000<br> $1608.56000<br> $1608.56000<br> $1608.56000<br> $1608.56000<br> $1608.56000<br> $1608.56000<br> $1608.56000<br> $1608.56000<br> $1608.56000<br> $1608.56000<br> $1608.56000<br> $1632.30000<br> $0.00000<br> $0.00000 | 101.300% | 36.500% | 72.200% | 90.000% | $1511.09 | $36266.14 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $214705.03 | 2.250% | $941.47 | $1434.09 | 2026-01-01 | 2026-01-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,434.09 (xx), which was applied for the due date of xx/xx/2025. The current xxis $941.47 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $214,705.03. | $1484.71 | $1484.71 | $1484.71 | $1484.71 | $1560.03 | $1484.71 | $1522.37 | $1484.71 | $1426.97 | $1426.97 | $1426.97 | $1426.97 | $1426.97 | $1464.63 | $1426.97 | $1426.97 | $1426.97 | $1426.97 | $1426.97 | $1426.97 | $1434.09 | $1434.09 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-11 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1484.71000<br> $1484.71000<br> $1484.71000<br> $1484.71000<br> $1560.03000<br> $1484.71000<br> $1522.37000<br> $1484.71000<br> $1426.97000<br> $1426.97000<br> $1426.97000<br> $1426.97000<br> $1426.97000<br> $1464.63000<br> $1426.97000<br> $1426.97000<br> $1426.97000<br> $1426.97000<br> $1426.97000<br> $1426.97000<br> $1434.09000<br> $1434.09000<br> $0.00000<br> $0.00000 | 93.000% | 33.300% | 66.500% | 83.200% | $1334.17 | $32020.14 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $1005667.92 | 4.000% | $6015.44 | $9186.16 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $9,186.16 (xx), which was applied for the due date of xx/xx/2025. The current xxis $6,015.44 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $1,005,667.92. | $9153.48 | $9153.48 | $9153.48 | $9153.48 | $9153.48 | $9153.48 | $9153.48 | $9153.48 | $9153.48 | $9153.48 | $9153.48 | $9186.16 | $9186.16 | $9186.16 | $9186.16 | $9186.16 | $9186.16 | $9186.16 | $9186.16 | $9186.16 | $9186.16 | $9186.16 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-04 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $9153.48000<br> $9153.48000<br> $9153.48000<br> $9153.48000<br> $9153.48000<br> $9153.48000<br> $9153.48000<br> $9153.48000<br> $9153.48000<br> $9153.48000<br> $9153.48000<br> $9186.16000<br> $9186.16000<br> $9186.16000<br> $9186.16000<br> $9186.16000<br> $9186.16000<br> $9186.16000<br> $9186.16000<br> $9186.16000<br> $9186.16000<br> $9186.16000<br> $0.00000<br> $0.00000 | 91.500% | 33.300% | 66.700% | 83.300% | $8405.67 | $201736.04 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $237677.91 | 2.250% | $1034.24 | $1383.62 | 2026-01-01 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,383.62 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,034.24 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $237,677.91. | $1335.00 | $1335.00 | $1335.00 | $1335.00 | $1335.00 | $1335.00 | $1335.00 | $1335.00 | $1335.00 | $1335.00 | $1474.68 | $1475.00 | $1475.00 | $1475.00 | $1475.00 | $1475.00 | $1475.00 | $1475.00 | $1475.00 | $1475.00 | $1475.00 | $1390.12 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1335.00000<br> $1335.00000<br> $1335.00000<br> $1335.00000<br> $1335.00000<br> $1335.00000<br> $1335.00000<br> $1335.00000<br> $1335.00000<br> $1335.00000<br> $1474.68000<br> $1475.00000<br> $1475.00000<br> $1475.00000<br> $1475.00000<br> $1475.00000<br> $1475.00000<br> $1475.00000<br> $1475.00000<br> $1475.00000<br> $1475.00000<br> $1390.12000<br> $0.00000<br> $0.00000 | 93.200% | 33.500% | 70.000% | 88.300% | $1290.20 | $30964.80 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $275372.18 | 5.250% | $1714.04 | $2381.31 | 2026-01-01 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,381.31 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,714.04 with an interest rate of 5.250%. The current UPB reflected as per the payment history is $275,372.18. | $2238.78 | $2238.78 | $2238.78 | $2238.78 | $2238.78 | $2238.78 | $4477.56 | $0.00 | $2238.78 | $2447.80 | $2379.24 | $2379.24 | $4758.48 | $2379.24 | $0.00 | $4758.48 | $2379.24 | $2379.24 | $2379.24 | $0.00 | $2379.24 | $4848.11 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2238.78000<br> $2238.78000<br> $2238.78000<br> $2238.78000<br> $2238.78000<br> $2238.78000<br> $4477.56000<br> $0.00000<br> $2238.78000<br> $2447.80000<br> $2379.24000<br> $2379.24000<br> $4758.48000<br> $2379.24000<br> $0.00000<br> $4758.48000<br> $2379.24000<br> $2379.24000<br> $2379.24000<br> $0.00000<br> $2379.24000<br> $4848.11000<br> $0.00000<br> $0.00000 | 93.800% | 67.900% | 67.200% | 91.900% | $2234.02 | $53616.57 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $117356.95 | 2.750% | $584.20 | $1210.68 | 2026-01-01 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,210.68 (xx), which was applied for the due date of xx/xx/2026. The current xxis $584.20 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $117,356.95. | $0.00 | $931.02 | $1944.60 | $0.00 | $2027.16 | $1013.58 | $1013.58 | $1013.58 | $0.00 | $2027.16 | $1013.58 | $1013.58 | $1013.58 | $1013.58 | $0.00 | $2172.28 | $1086.14 | $1086.14 | $1086.14 | $1086.14 | $0.00 | $2421.36 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-24 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $931.02000<br> $1944.60000<br> $0.00000<br> $2027.16000<br> $1013.58000<br> $1013.58000<br> $1013.58000<br> $0.00000<br> $2027.16000<br> $1013.58000<br> $1013.58000<br> $1013.58000<br> $1013.58000<br> $0.00000<br> $2172.28000<br> $1086.14000<br> $1086.14000<br> $1086.14000<br> $1086.14000<br> $0.00000<br> $2421.36000<br> $0.00000<br> $0.00000 | 79.000% | 66.700% | 63.200% | 75.500% | $956.80 | $22963.20 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $189350.21 | 2.125% | $1703.39 | $2759.59 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,759.59 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,703.39 with an interest rate of 2.125%. The current UPB reflected as per the payment history is $189,350.21. | $4652.06 | $2326.03 | $0.00 | $2326.03 | $2363.70 | $4727.40 | $2363.70 | $0.00 | $4246.98 | $2363.70 | $4727.40 | $2363.70 | $2363.70 | $1156.39 | $2363.70 | $2500.00 | $2759.59 | $2759.59 | $2759.59 | $2759.59 | $4194.33 | $2759.59 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4652.06000<br> $2326.03000<br> $0.00000<br> $2326.03000<br> $2363.70000<br> $4727.40000<br> $2363.70000<br> $0.00000<br> $4246.98000<br> $2363.70000<br> $4727.40000<br> $2363.70000<br> $2363.70000<br> $1156.39000<br> $2363.70000<br> $2500.00000<br> $2759.59000<br> $2759.59000<br> $2759.59000<br> $2759.59000<br> $4194.33000<br> $2759.59000<br> $0.00000<br> $0.00000 | 88.800% | 33.300% | 75.300% | 79.600% | $2451.53 | $58836.77 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $112619.57 | 2.250% | $498.17 | $1152.65 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,152.65 (xx), which was applied for the due date of xx/xx/2025. The current xxis $498.17 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $112,619.57. | $1070.37 | $1070.37 | $1070.37 | $1070.37 | $1070.37 | $1070.37 | $1070.37 | $1070.37 | $1070.37 | $1136.30 | $1136.30 | $1136.30 | $1136.30 | $1136.30 | $1136.30 | $1136.30 | $1136.30 | $1136.30 | $1136.30 | $1136.30 | $1136.30 | $1152.65 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1070.37000<br> $1070.37000<br> $1070.37000<br> $1070.37000<br> $1070.37000<br> $1070.37000<br> $1070.37000<br> $1070.37000<br> $1070.37000<br> $1136.30000<br> $1136.30000<br> $1136.30000<br> $1136.30000<br> $1136.30000<br> $1136.30000<br> $1136.30000<br> $1136.30000<br> $1136.30000<br> $1136.30000<br> $1136.30000<br> $1136.30000<br> $1152.65000<br> $0.00000<br> $0.00000 | 88.300% | 33.300% | 66.000% | 82.300% | $1017.57 | $24421.58 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $440281.83 | 4.000% | $2139.65 | $3489.96 | 2026-01-01 | 2025-12-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,489.96 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,139.65 with an interest rate of 4.000%. The current UPB is $440,281.83. | $0.00 | $0.00 | $0.00 | $3100.01 | $3100.00 | $0.00 | $4479.26 | $3351.56 | $3351.56 | $0.00 | $0.00 | $6714.65 | $3335.93 | $0.00 | $3378.72 | $3378.72 | $3378.72 | $3421.51 | $3379.13 | $0.00 | $0.00 | $13765.53 | $0.00 | $0.00 | 143222222112144444444443 | 344444444441211222222341 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $3100.01000<br> $3100.00000<br> $0.00000<br> $4479.26000<br> $3351.56000<br> $3351.56000<br> $0.00000<br> $0.00000<br> $6714.65000<br> $3335.93000<br> $0.00000<br> $3378.72000<br> $3378.72000<br> $3378.72000<br> $3421.51000<br> $3379.13000<br> $0.00000<br> $0.00000<br> $13765.53000<br> $0.00000<br> $0.00000 | 69.400% | 131.500% | 81.900% | 81.300% | $2422.30 | $58135.30 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $340892.28 | 3.625% | $1660.03 | $2396.12 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,396.12 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,660.03 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $340,892.28. | $2506.39 | $7506.39 | $3506.39 | $2855.52 | $2855.52 | $2855.52 | $2355.52 | $2355.52 | $2355.52 | $2436.55 | $2355.52 | $2355.52 | $2358.48 | $2358.48 | $2396.12 | $2396.12 | $2396.12 | $2396.12 | $2396.12 | $2396.12 | $2396.12 | $2478.43 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2506.39000<br> $7506.39000<br> $3506.39000<br> $2855.52000<br> $2855.52000<br> $2855.52000<br> $2355.52000<br> $2355.52000<br> $2355.52000<br> $2436.55000<br> $2355.52000<br> $2355.52000<br> $2358.48000<br> $2358.48000<br> $2396.12000<br> $2396.12000<br> $2396.12000<br> $2396.12000<br> $2396.12000<br> $2396.12000<br> $2396.12000<br> $2478.43000<br> $0.00000<br> $0.00000 | 104.800% | 34.500% | 67.200% | 83.400% | $2511.17 | $60268.11 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $332138.34 | 4.875% | $2143.29 | $4268.78 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,268.78 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,143.29 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $332,138.34. | $4283.10 | $4283.10 | $4283.10 | $4283.10 | $4283.10 | $4283.10 | $4283.10 | $4283.10 | $4283.10 | $4283.10 | $4283.10 | $4283.10 | $4283.10 | $4246.89 | $4246.89 | $4246.89 | $4246.89 | $4246.89 | $4268.78 | $4268.78 | $4268.78 | $4268.78 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4283.10000<br> $4283.10000<br> $4283.10000<br> $4283.10000<br> $4283.10000<br> $4283.10000<br> $4283.10000<br> $4283.10000<br> $4283.10000<br> $4283.10000<br> $4283.10000<br> $4283.10000<br> $4283.10000<br> $4246.89000<br> $4246.89000<br> $4246.89000<br> $4246.89000<br> $4246.89000<br> $4268.78000<br> $4268.78000<br> $4268.78000<br> $4268.78000<br> $0.00000<br> $0.00000 | 91.700% | 33.300% | 66.700% | 83.100% | $3916.24 | $93989.87 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $655358.78 | 5.750% | $4324.39 | $6053.08 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $6,053.08 (xx), which was applied for the due date of xx/xx/2025. The current xxis $4,324.39 with an interest rate of 5.750%. The current UPB reflected as per the payment history is $655,358.78.<br>| $0.00 | $10748.37 | $6000.00 | $19772.26 | $0.00 | $6935.80 | $6000.00 | $12000.00 | $1434.16 | $5808.29 | $6000.00 | $11967.04 | $7790.70 | $5750.82 | $6053.08 | $0.00 | $12106.16 | $6053.08 | $0.00 | $0.00 | $12106.16 | $12255.19 | $0.00 | $0.00 | 012100100001110111022212 | 212220111011100001001210 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $10748.37000<br> $6000.00000<br> $19772.26000<br> $0.00000<br> $6935.80000<br> $6000.00000<br> $12000.00000<br> $1434.16000<br> $5808.29000<br> $6000.00000<br> $11967.04000<br> $7790.70000<br> $5750.82000<br> $6053.08000<br> $0.00000<br> $12106.16000<br> $6053.08000<br> $0.00000<br> $0.00000<br> $12106.16000<br> $12255.19000<br> $0.00000<br> $0.00000 | 102.400% | 67.500% | 67.100% | 85.500% | $6199.21 | $148781.11 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $299663.92 | 2.250% | $1297.71 | $1751.73 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,751.73 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,297.71 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $299,663.92. | $1742.49 | $1742.49 | $1742.49 | $1697.59 | $1697.59 | $1697.59 | $1697.59 | $1697.59 | $1697.59 | $1744.90 | $1697.59 | $1697.59 | $1697.59 | $1697.59 | $1751.73 | $1751.73 | $3503.46 | $0.00 | $1751.73 | $1751.73 | $1751.73 | $1798.59 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1742.49000<br> $1742.49000<br> $1742.49000<br> $1697.59000<br> $1697.59000<br> $1697.59000<br> $1697.59000<br> $1697.59000<br> $1697.59000<br> $1744.90000<br> $1697.59000<br> $1697.59000<br> $1697.59000<br> $1697.59000<br> $1751.73000<br> $1751.73000<br> $3503.46000<br> $0.00000<br> $1751.73000<br> $1751.73000<br> $1751.73000<br> $1798.59000<br> $0.00000<br> $0.00000 | 90.400% | 34.200% | 67.100% | 83.000% | $1583.71 | $38008.97 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $258343.16 | 2.250% | $1104.92 | $1475.83 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,475.83 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,104.92 with an interest rate of 2.250%. The current UPB reflected as per the payment history is $258,343.16. | $2987.56 | $0.00 | $3119.79 | $1626.01 | $0.00 | $3252.02 | $0.00 | $3252.02 | $1626.01 | $0.00 | $1626.01 | $1626.01 | $3277.02 | $1626.01 | $1475.83 | $1475.83 | $1475.83 | $1475.83 | $0.00 | $1475.83 | $1475.83 | $1475.83 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2987.56000<br> $0.00000<br> $3119.79000<br> $1626.01000<br> $0.00000<br> $3252.02000<br> $0.00000<br> $3252.02000<br> $1626.01000<br> $0.00000<br> $1626.01000<br> $1626.01000<br> $3277.02000<br> $1626.01000<br> $1475.83000<br> $1475.83000<br> $1475.83000<br> $1475.83000<br> $0.00000<br> $1475.83000<br> $1475.83000<br> $1475.83000<br> $0.00000<br> $0.00000 | 97.000% | 33.300% | 50.000% | 86.000% | $1431.22 | $34349.27 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $211079.44 | 4.625% | $1296.59 | $1749.00 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,749.00 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,296.59 with an interest rate of 4.625%. The current UPB reflected as per the payment history is $211,079.44. | $1710.61 | $3843.36 | $1710.61 | $1710.61 | $1710.61 | $2.96 | $0.00 | $4876.84 | $1710.62 | $0.00 | $3025.13 | $2510.61 | $4340.39 | $1906.91 | $2296.59 | $3749.00 | $3943.00 | $5692.00 | $3846.00 | $3749.00 | $1050.00 | $5598.00 | $0.00 | $0.00 | 01000111101110021000000M | M00000012001110111100010 | 2025-12-19 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1710.61000<br> $3843.36000<br> $1710.61000<br> $1710.61000<br> $1710.61000<br> $2.96000<br> $0.00000<br> $4876.84000<br> $1710.62000<br> $0.00000<br> $3025.13000<br> $2510.61000<br> $4340.39000<br> $1906.91000<br> $2296.59000<br> $3749.00000<br> $3943.00000<br> $5692.00000<br> $3846.00000<br> $3749.00000<br> $1050.00000<br> $5598.00000<br> $0.00000<br> $0.00000 | 140.500% | 106.700% | 135.700% | 172.300% | $2457.62 | $58982.85 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $246149.56 | 4.000% | $1226.95 | $1708.61 | 2026-01-06 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,708.61 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,226.95 with an interest rate of 4.000%. The current UPB reflected as per the payment history is $246,149.56. | $14094.17 | $1634.57 | $1634.57 | $1634.57 | $1634.57 | $0.00 | $0.00 | $3269.14 | $3338.28 | $1725.99 | $0.00 | $0.00 | $13194.89 | $564.48 | $0.00 | $5128.99 | $1708.61 | $0.00 | $0.00 | $3417.22 | $917.22 | $2625.83 | $3849.86 | $0.00 | 122121002103211121000004 | 400000121112301200121221 | 2026-01-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $14094.17000<br> $1634.57000<br> $1634.57000<br> $1634.57000<br> $1634.57000<br> $0.00000<br> $0.00000<br> $3269.14000<br> $3338.28000<br> $1725.99000<br> $0.00000<br> $0.00000<br> $13194.89000<br> $564.48000<br> $0.00000<br> $5128.99000<br> $1708.61000<br> $0.00000<br> $0.00000<br> $3417.22000<br> $917.22000<br> $2625.83000<br> $3849.86000<br> $0.00000 | 147.200% | 126.300% | 105.400% | 153.200% | $2515.54 | $60372.96 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $178308.04 | 3.875% | $885.69 | $1280.46 | 2026-01-12 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,280.46 (xx), which was applied for the due date of xx/xx/2026. The current xxis $885.69 with an interest rate of 3.875%. The current UPB reflected as per the payment history is $178,308.04. | $1358.34 | $1358.34 | $1358.34 | $1272.38 | $1272.38 | $1272.38 | $1272.38 | $1272.38 | $1272.38 | $1272.38 | $1272.38 | $1272.38 | $1272.38 | $1272.38 | $1272.38 | $1280.46 | $1280.46 | $1280.46 | $1280.46 | $1280.46 | $1280.46 | $1280.46 | $1280.46 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1358.34000<br> $1358.34000<br> $1358.34000<br> $1272.38000<br> $1272.38000<br> $1272.38000<br> $1272.38000<br> $1272.38000<br> $1272.38000<br> $1272.38000<br> $1272.38000<br> $1272.38000<br> $1272.38000<br> $1272.38000<br> $1272.38000<br> $1280.46000<br> $1280.46000<br> $1280.46000<br> $1280.46000<br> $1280.46000<br> $1280.46000<br> $1280.46000<br> $1280.46000<br> $0.00000 | 96.300% | 66.700% | 83.300% | 91.500% | $1232.80 | $29587.26 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $238910.11 | 2.750% | $1345.32 | $1849.50 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,849.50 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,345.32 with an interest rate of 2.750%. The current UPB reflected as per the payment history is $238,910.11. | $2000.00 | $2000.00 | $2000.00 | $0.00 | $2000.00 | $3650.00 | $4500.00 | $4600.00 | $4600.00 | $2100.00 | $2100.00 | $9600.00 | $7100.00 | $2100.00 | $4600.00 | $4600.00 | $7100.00 | $2100.00 | $2100.00 | $4625.49 | $7200.00 | $4700.00 | $0.00 | $0.00 | 00000000000000000000000M | M00000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2000.00000<br> $2000.00000<br> $2000.00000<br> $0.00000<br> $2000.00000<br> $3650.00000<br> $4500.00000<br> $4600.00000<br> $4600.00000<br> $2100.00000<br> $2100.00000<br> $9600.00000<br> $7100.00000<br> $2100.00000<br> $4600.00000<br> $4600.00000<br> $7100.00000<br> $2100.00000<br> $2100.00000<br> $4625.49000<br> $7200.00000<br> $4700.00000<br> $0.00000<br> $0.00000 | 192.300% | 84.700% | 167.800% | 208.300% | $3557.31 | $85375.49 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $704184.67 | 4.250% | $3928.14 | $5547.77 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $5,547.77 (xx), which was applied for the due date of xx/xx/2025. The current xxis $3,928.14 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $704,184.67. | $5224.40 | $5224.40 | $5224.40 | $5224.40 | $5224.40 | $5224.40 | $5224.40 | $5224.40 | $5224.40 | $6950.10 | $5224.40 | $5547.77 | $5547.77 | $5547.77 | $5547.77 | $5547.77 | $5547.77 | $5547.77 | $5547.77 | $5547.77 | $5547.77 | $5547.77 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $5224.40000<br> $5224.40000<br> $5224.40000<br> $5224.40000<br> $5224.40000<br> $5224.40000<br> $5224.40000<br> $5224.40000<br> $5224.40000<br> $6950.10000<br> $5224.40000<br> $5547.77000<br> $5547.77000<br> $5547.77000<br> $5547.77000<br> $5547.77000<br> $5547.77000<br> $5547.77000<br> $5547.77000<br> $5547.77000<br> $5547.77000<br> $5547.77000<br> $0.00000<br> $0.00000 | 90.300% | 33.300% | 66.700% | 83.300% | $5009.15 | $120219.57 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $243924.18 | 5.750% | $2878.12 |  | 2026-02-01 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $4,619.05 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,878.12 with an interest rate of 5.750%. The current UPB is $243,924.18, and the deferred balance is $12,983.76. | $3843.93 | $3843.93 | $3843.93 | $3843.93 | $3843.93 | $3843.93 | $3843.93 | $3843.93 | $3843.93 | $3863.18 | $3843.93 | $5651.64 | $4041.92 | $5865.40 | $4041.92 | $4041.92 | $5634.08 | $4041.92 | $4041.92 | $4041.92 | $4619.05 | $4625.66 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3843.93000<br> $3843.93000<br> $3843.93000<br> $3843.93000<br> $3843.93000<br> $3843.93000<br> $3843.93000<br> $3843.93000<br> $3843.93000<br> $3863.18000<br> $3843.93000<br> $5651.64000<br> $4041.92000<br> $5865.40000<br> $4041.92000<br> $4041.92000<br> $5634.08000<br> $4041.92000<br> $4041.92000<br> $4041.92000<br> $4619.05000<br> $4625.66000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $3872.91 | $92949.83 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $437096.39 | 4.875% | $2125.61 | $3415.57 | 2026-01-16 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,415.57 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,125.61 with an interest rate of 4.875%. The current UPB reflected as per the payment history is $437,096.39. | $2941.20 | $2941.20 | $2941.20 | $2941.20 | $4630.91 | $2941.20 | $2941.20 | $2941.20 | $5480.43 | $2941.20 | $2941.20 | $0.00 | $3415.57 | $3415.57 | $3415.57 | $3415.57 | $3415.57 | $3415.57 | $3415.57 | $3415.57 | $3415.57 | $3415.57 | $3415.57 | $0.00 | 111111111110000000000000 | 000000000000011111111111 | 2026-01-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2941.20000<br> $2941.20000<br> $2941.20000<br> $2941.20000<br> $4630.91000<br> $2941.20000<br> $2941.20000<br> $2941.20000<br> $5480.43000<br> $2941.20000<br> $2941.20000<br> $0.00000<br> $3415.57000<br> $3415.57000<br> $3415.57000<br> $3415.57000<br> $3415.57000<br> $3415.57000<br> $3415.57000<br> $3415.57000<br> $3415.57000<br> $3415.57000<br> $3415.57000<br> $0.00000 | 90.500% | 66.700% | 83.300% | 91.700% | $3089.73 | $74153.41 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $43047.05 | 3.000% | $350.29 | $488.13 | 2026-01-16 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $488.13 (xx), which was applied for the due date of xx/xx/2025. The current xxis $350.29 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $43,047.05. | $435.11 | $0.00 | $869.73 | $1249.29 | $0.00 | $421.10 | $421.10 | $1045.55 | $215.28 | $499.83 | $999.66 | $499.83 | $499.83 | $0.00 | $999.66 | $625.92 | $513.84 | $0.00 | $502.14 | $1196.73 | $0.00 | $1251.37 | $0.00 | $0.00 | 010110001000110000011000 | 000110000011000100011010 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $435.11000<br> $0.00000<br> $869.73000<br> $1249.29000<br> $0.00000<br> $421.10000<br> $421.10000<br> $1045.55000<br> $215.28000<br> $499.83000<br> $999.66000<br> $499.83000<br> $499.83000<br> $0.00000<br> $999.66000<br> $625.92000<br> $513.84000<br> $0.00000<br> $502.14000<br> $1196.73000<br> $0.00000<br> $1251.37000<br> $0.00000<br> $0.00000 | 104.500% | 85.500% | 100.700% | 95.400% | $510.25 | $12245.97 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $635470.15 | 3.250% | $3063.85 | $4420.46 | 2026-01-15 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $4,420.46 (xx), which was applied for the due date of xx/xx/2026. The current xxis $3,063.85 with an interest rate of 3.250%. The current UPB, reflected as per the payment history, is $635,740.15. | $4435.84 | $6048.04 | $4435.84 | $6248.63 | $4435.84 | $4435.84 | $4441.06 | $4435.84 | $4435.84 | $4808.28 | $4797.24 | $4797.24 | $4817.87 | $4797.24 | $4797.24 | $4811.34 | $4797.24 | $4797.24 | $4817.42 | $4420.46 | $4420.46 | $4445.62 | $4420.46 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $4435.84000<br> $6048.04000<br> $4435.84000<br> $6248.63000<br> $4435.84000<br> $4435.84000<br> $4441.06000<br> $4435.84000<br> $4435.84000<br> $4808.28000<br> $4797.24000<br> $4797.24000<br> $4817.87000<br> $4797.24000<br> $4797.24000<br> $4811.34000<br> $4797.24000<br> $4797.24000<br> $4817.42000<br> $4420.46000<br> $4420.46000<br> $4445.62000<br> $4420.46000<br> $0.00000 | 102.800% | 66.900% | 84.900% | 96.800% | $4545.76 | $109098.12 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $253732.34 | 4.375% | $1366.80 | $2190.40 | 2026-01-14 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,190.40 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,366.80 with an interest rate of 4.375%. The current UPB, reflected as per the payment history, is $253,732.34. | $2157.36 | $2163.44 | $2239.38 | $2200.32 | $2184.70 | $2184.70 | $2175.06 | $2184.70 | $2184.70 | $2156.15 | $2116.97 | $2116.97 | $2129.18 | $2116.97 | $2116.97 | $2138.01 | $4233.94 | $0.00 | $2137.12 | $2190.40 | $2190.40 | $2203.54 | $2190.40 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-14 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2157.36000<br> $2163.44000<br> $2239.38000<br> $2200.32000<br> $2184.70000<br> $2184.70000<br> $2175.06000<br> $2184.70000<br> $2184.70000<br> $2156.15000<br> $2116.97000<br> $2116.97000<br> $2129.18000<br> $2116.97000<br> $2116.97000<br> $2138.01000<br> $4233.94000<br> $0.00000<br> $2137.12000<br> $2190.40000<br> $2190.40000<br> $2203.54000<br> $2190.40000<br> $0.00000 | 94.600% | 66.900% | 83.000% | 90.000% | $2071.31 | $49711.38 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $57102.53 | 2.990% | $273.69 | $628.87 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $628.87 (xx), which was applied for the due date of xx/xx/2025. The current xxis $273.69 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $57,102.53. | $542.47 | $542.47 | $542.47 | $542.47 | $542.47 | $542.47 | $543.05 | $543.05 | $543.05 | $544.00 | $544.00 | $544.00 | $544.00 | $544.00 | $544.00 | $544.00 | $544.00 | $544.00 | $544.00 | $544.00 | $544.00 | $628.87 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $542.47000<br> $542.47000<br> $542.47000<br> $542.47000<br> $542.47000<br> $542.47000<br> $543.05000<br> $543.05000<br> $543.05000<br> $544.00000<br> $544.00000<br> $544.00000<br> $544.00000<br> $544.00000<br> $544.00000<br> $544.00000<br> $544.00000<br> $544.00000<br> $544.00000<br> $544.00000<br> $544.00000<br> $628.87000<br> $0.00000<br> $0.00000 | 79.800% | 33.300% | 59.900% | 73.200% | $501.70 | $12040.84 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $233605.47 | 2.990% | $1092.03 | $2402.25 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,402.25 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,092.03 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $233,615.47. | $2512.46 | $2528.40 | $2512.46 | $2527.36 | $2512.46 | $2512.46 | $2529.99 | $2512.46 | $2512.46 | $2355.57 | $2335.93 | $2335.93 | $2357.30 | $2335.93 | $2335.93 | $2352.63 | $2335.93 | $2335.93 | $2352.68 | $2402.25 | $2402.25 | $2420.45 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-08 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2512.46000<br> $2528.40000<br> $2512.46000<br> $2527.36000<br> $2512.46000<br> $2512.46000<br> $2529.99000<br> $2512.46000<br> $2512.46000<br> $2355.57000<br> $2335.93000<br> $2335.93000<br> $2357.30000<br> $2335.93000<br> $2335.93000<br> $2352.63000<br> $2335.93000<br> $2335.93000<br> $2352.68000<br> $2402.25000<br> $2402.25000<br> $2420.45000<br> $0.00000<br> $0.00000 | 92.500% | 33.600% | 66.400% | 82.000% | $2221.63 | $53319.22 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $254768.74 | 2.875% | $1181.40 | $1829.41 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,829.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,181.40 with an interest rate of 2.875%. The current UPB reflected as per the payment history is $254,768.74. | $1776.48 | $1823.74 | $2115.35 | $1776.48 | $1776.48 | $3523.48 | $1776.48 | $1879.67 | $2925.10 | $1879.67 | $1879.67 | $1879.67 | $1879.67 | $1879.67 | $1879.67 | $1879.67 | $1879.67 | $2845.27 | $1879.67 | $1829.41 | $1829.41 | $1829.86 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1776.48000<br> $1823.74000<br> $2115.35000<br> $1776.48000<br> $1776.48000<br> $3523.48000<br> $1776.48000<br> $1879.67000<br> $2925.10000<br> $1879.67000<br> $1879.67000<br> $1879.67000<br> $1879.67000<br> $1879.67000<br> $1879.67000<br> $1879.67000<br> $1879.67000<br> $2845.27000<br> $1879.67000<br> $1829.41000<br> $1829.41000<br> $1829.86000<br> $0.00000<br> $0.00000 | 101.600% | 33.300% | 67.100% | 89.300% | $1859.34 | $44624.24 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $197814.19 | 4.250% | $1022.34 | $1411.48 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,411.48 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,022.34 with an interest rate of 4.250%. The current UPB reflected as per the payment history is $197,814.19.131 | $2335.90 | $1497.51 | $1497.51 | $1497.51 | $1497.51 | $1497.51 | $1497.51 | $1497.51 | $1497.51 | $1513.50 | $1497.51 | $1497.51 | $1497.51 | $1411.48 | $1411.48 | $1411.48 | $1411.48 | $1411.48 | $1411.48 | $1411.48 | $1411.48 | $1445.91 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2335.90000<br> $1497.51000<br> $1497.51000<br> $1497.51000<br> $1497.51000<br> $1497.51000<br> $1497.51000<br> $1497.51000<br> $1497.51000<br> $1513.50000<br> $1497.51000<br> $1497.51000<br> $1497.51000<br> $1411.48000<br> $1411.48000<br> $1411.48000<br> $1411.48000<br> $1411.48000<br> $1411.48000<br> $1411.48000<br> $1411.48000<br> $1445.91000<br> $0.00000<br> $0.00000 | 97.600% | 34.100% | 67.100% | 84.000% | $1377.49 | $33059.76 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $24176.84 | 12.499% | $266.80 | $266.80 | 2026-01-01 | 2026-01-15 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $266.80 (xx), which was applied for the due date of xx/xx/2025. The current xxis $266.80 with an interest rate of 12.499%. The current UPB reflected as per the payment history is $24,176.84. | $266.80 | $266.80 | $266.80 | $266.80 | $266.80 | $266.80 | $266.80 | $266.80 | $266.80 | $266.80 | $266.80 | $266.80 | $266.80 | $266.80 | $266.80 | $533.60 | $0.00 | $266.80 | $266.80 | $280.14 | $266.80 | $266.80 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-22 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $266.80000<br> $266.80000<br> $266.80000<br> $266.80000<br> $266.80000<br> $266.80000<br> $266.80000<br> $266.80000<br> $266.80000<br> $266.80000<br> $266.80000<br> $266.80000<br> $266.80000<br> $266.80000<br> $266.80000<br> $533.60000<br> $0.00000<br> $266.80000<br> $266.80000<br> $280.14000<br> $266.80000<br> $266.80000<br> $0.00000<br> $0.00000 | 91.900% | 33.300% | 67.500% | 83.800% | $245.12 | $5882.94 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $510382.61 | 3.375% | $2663.01 | $3360.41 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $3,360.41 (xx), which was applied for the due date of xx/xx/2025. The current xxis $2,663.01 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $510,382.61. | $3323.15 | $3327.97 | $3323.15 | $3332.61 | $3323.15 | $3323.15 | $3323.15 | $3323.15 | $3323.15 | $3440.55 | $3493.29 | $3493.29 | $3445.51 | $3493.29 | $3440.03 | $3452.05 | $3493.29 | $3440.03 | $3507.44 | $3413.67 | $3360.41 | $3365.67 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3323.15000<br> $3327.97000<br> $3323.15000<br> $3332.61000<br> $3323.15000<br> $3323.15000<br> $3323.15000<br> $3323.15000<br> $3323.15000<br> $3440.55000<br> $3493.29000<br> $3493.29000<br> $3445.51000<br> $3493.29000<br> $3440.03000<br> $3452.05000<br> $3493.29000<br> $3440.03000<br> $3507.44000<br> $3413.67000<br> $3360.41000<br> $3365.67000<br> $0.00000<br> $0.00000 | 92.700% | 33.400% | 67.700% | 85.300% | $3115.05 | $74761.15 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $121497.00 | 4.999% | $764.62 | $1197.27 | 2026-01-01 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,197.27 (xx), which was applied for the due date of xx/xx/2026. The current xxis $764.62 with an interest rate of 4.999%. The current UPB reflected as per the payment history is $121,497.00. <br>| $1025.00 | $1025.00 | $0.00 | $1025.00 | $2050.00 | $1025.00 | $1309.94 | $0.00 | $1050.00 | $2391.72 | $1050.00 | $1050.00 | $1050.00 | $0.00 | $1050.00 | $2100.00 | $1050.00 | $1050.00 | $0.00 | $1050.00 | $1055.00 | $2352.27 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-30 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1025.00000<br> $1025.00000<br> $0.00000<br> $1025.00000<br> $2050.00000<br> $1025.00000<br> $1309.94000<br> $0.00000<br> $1050.00000<br> $2391.72000<br> $1050.00000<br> $1050.00000<br> $1050.00000<br> $0.00000<br> $1050.00000<br> $2100.00000<br> $1050.00000<br> $1050.00000<br> $0.00000<br> $1050.00000<br> $1055.00000<br> $2352.27000<br> $0.00000<br> $0.00000 | 82.700% | 65.500% | 62.000% | 74.900% | $989.96 | $23758.93 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $226744.89 | 3.750% | $1117.91 | $1998.40 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,998.40 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,117.91 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $226,744.89. | $1950.05 | $3888.18 | $0.00 | $1938.13 | $1938.13 | $1938.13 | $1938.13 | $1938.13 | $1938.13 | $1938.13 | $1938.13 | $1938.13 | $1938.13 | $1998.40 | $1998.40 | $1998.40 | $1998.40 | $1998.40 | $1998.40 | $3996.80 | $0.00 | $1998.40 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1950.05000<br> $3888.18000<br> $0.00000<br> $1938.13000<br> $1938.13000<br> $1938.13000<br> $1938.13000<br> $1938.13000<br> $1938.13000<br> $1938.13000<br> $1938.13000<br> $1938.13000<br> $1938.13000<br> $1998.40000<br> $1998.40000<br> $1998.40000<br> $1998.40000<br> $1998.40000<br> $1998.40000<br> $3996.80000<br> $0.00000<br> $1998.40000<br> $0.00000<br> $0.00000 | 90.100% | 33.300% | 66.700% | 83.100% | $1800.21 | $43205.13 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $70453.81 | 3.250% | $415.91 | $741.65 | 2026-01-12 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $741.65 (xx), which was applied for the due date of xx/xx/2026. The current xxis $415.91 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $70,453.81. | $667.53 | $667.53 | $648.32 | $648.32 | $648.32 | $1296.64 | $0.00 | $648.32 | $648.32 | $1296.64 | $0.00 | $648.32 | $648.32 | $1483.30 | $741.65 | $0.00 | $741.65 | $741.65 | $741.65 | $741.65 | $741.65 | $741.65 | $741.65 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-12 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $667.53000<br> $667.53000<br> $648.32000<br> $648.32000<br> $648.32000<br> $1296.64000<br> $0.00000<br> $648.32000<br> $648.32000<br> $1296.64000<br> $0.00000<br> $648.32000<br> $648.32000<br> $1483.30000<br> $741.65000<br> $0.00000<br> $741.65000<br> $741.65000<br> $741.65000<br> $741.65000<br> $741.65000<br> $741.65000<br> $741.65000<br> $0.00000 | 89.200% | 66.700% | 83.300% | 90.600% | $661.80 | $15883.08 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $150343.56 | 4.750% | $1034.95 | $1489.29 | 2026-01-01 | 2026-01-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $1,489.29 (xx), which was applied for the due date of xx/xx/2025. The current xxis $1,034.95 with an interest rate of 4.750%. The current UPB reflected as per the payment history is $150,343.56. | $1443.33 | $1443.33 | $1443.33 | $1444.65 | $1444.65 | $1444.65 | $1444.65 | $1444.65 | $1444.65 | $1480.13 | $1444.65 | $1444.65 | $1445.31 | $2069.57 | $1489.29 | $1489.29 | $1489.29 | $1489.29 | $1489.29 | $1489.29 | $1489.29 | $1525.43 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-12-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1443.33000<br> $1443.33000<br> $1443.33000<br> $1444.65000<br> $1444.65000<br> $1444.65000<br> $1444.65000<br> $1444.65000<br> $1444.65000<br> $1480.13000<br> $1444.65000<br> $1444.65000<br> $1445.31000<br> $2069.57000<br> $1489.29000<br> $1489.29000<br> $1489.29000<br> $1489.29000<br> $1489.29000<br> $1489.29000<br> $1489.29000<br> $1525.43000<br> $0.00000<br> $0.00000 | 91.900% | 34.100% | 67.100% | 86.500% | $1368.03 | $32832.66 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $127841.06 | 7.000% | $861.57 | $957.46 | 2026-01-15 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $957.46 (xx), which was applied for the due date of xx/xx/2026. The current xxis $861.57 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $127,841.06. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $957.46 | $957.46 | $957.46 | $957.46 | $957.46 | $957.46 | $957.46 | $957.46 | $957.46 | $957.46 | $957.46 | $957.46 | $957.46 | $957.46 | $957.46 | $0.00 | 000000000000000 | 000000000000000 | 2026-01-15 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $957.46000<br> $957.46000<br> $957.46000<br> $957.46000<br> $957.46000<br> $957.46000<br> $957.46000<br> $957.46000<br> $957.46000<br> $957.46000<br> $957.46000<br> $957.46000<br> $957.46000<br> $957.46000<br> $957.46000<br> $0.00000 | 62.500% | 66.700% | 83.300% | 91.700% | $598.41 | $14361.90 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $254751.68 | 6.625% | $1690.42 | $2275.13 | 2026-01-22 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,275.13 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,690.42 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $254,751.68. | $2460.09 | $2460.09 | $2460.09 | $2460.09 | $2460.09 | $2460.09 | $2460.09 | $2460.09 | $2460.09 | $2254.46 | $2254.46 | $2254.46 | $2254.46 | $2254.46 | $2254.46 | $2254.46 | $2254.46 | $2254.46 | $2254.46 | $2254.46 | $2254.46 | $2275.13 | $2275.13 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2460.09000<br> $2460.09000<br> $2460.09000<br> $2460.09000<br> $2460.09000<br> $2460.09000<br> $2460.09000<br> $2460.09000<br> $2460.09000<br> $2254.46000<br> $2254.46000<br> $2254.46000<br> $2254.46000<br> $2254.46000<br> $2254.46000<br> $2254.46000<br> $2254.46000<br> $2254.46000<br> $2254.46000<br> $2254.46000<br> $2254.46000<br> $2275.13000<br> $2275.13000<br> $0.00000 | 98.400% | 66.700% | 82.900% | 91.000% | $2239.36 | $53744.59 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $397583.90 | 6.875% | $2653.99 |  | 2026-02-02 | 2026-03-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,653.99, which was applied for the due date of xx/xx/2026. The current xxis $2,653.99 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $397,583.90. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | $2653.99 | 000000000000000000 | 000000000000000000 | 2026-02-02 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000<br> $2653.99000 | 0.000% | 0.000% | 0.000% | 0.000% | $1990.49 | $47771.82 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | $441837.76 | 7.125% | $2991.31 | $3876.63 | 2026-01-15 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,876.63 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,991.31 with an interest rate of 7.125%. The current UPB is $441,837.76. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3876.63 | $3876.63 | $0.00 | $3876.63 | $7753.26 | $3876.63 | $0.00 | 001100 | 001100 | 2026-01-01 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3876.63000<br> $3876.63000<br> $0.00000<br> $3876.63000<br> $7753.26000<br> $3876.63000<br> $0.00000 | 25.000% | 100.000% | 83.300% | 50.000% | $969.16 | $23259.78 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $446461.53 | 6.250% | $2909.26 | $3396.04 | 2026-01-15 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $3,396.04 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,909.26 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $446,461.53. | $3407.60 | $3407.60 | $3407.60 | $3407.60 | $3407.60 | $3407.60 | $3407.60 | $3407.60 | $3407.60 | $3407.60 | $3407.60 | $3407.60 | $3396.04 | $3396.04 | $3396.04 | $3396.04 | $3396.04 | $3396.04 | $3396.04 | $3396.04 | $3396.04 | $3396.04 | $3396.04 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $3407.60000<br> $3407.60000<br> $3407.60000<br> $3407.60000<br> $3407.60000<br> $3407.60000<br> $3407.60000<br> $3407.60000<br> $3407.60000<br> $3407.60000<br> $3407.60000<br> $3407.60000<br> $3396.04000<br> $3396.04000<br> $3396.04000<br> $3396.04000<br> $3396.04000<br> $3396.04000<br> $3396.04000<br> $3396.04000<br> $3396.04000<br> $3396.04000<br> $3396.04000<br> $0.00000 | 96.000% | 66.700% | 83.300% | 91.700% | $3260.32 | $78247.64 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $145556.76 | 3.875% | $752.38 | $1479.64 | 2026-01-28 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,479.64 (xx), which was applied for the due date of xx/xx/2026. The current xxis $752.38 with an interest rate of 3.875%. The current UPB is $145,556.76. | $1340.24 | $1340.24 | $1340.24 | $1340.24 | $1340.24 | $1340.24 | $1340.24 | $1340.24 | $1340.24 | $1340.24 | $1340.24 | $1479.64 | $1479.64 | $1479.64 | $1479.64 | $1479.64 | $1479.64 | $1479.64 | $1479.64 | $1497.64 | $1479.64 | $1479.64 | $1479.64 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2026-01-09 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $1340.24000<br> $1340.24000<br> $1340.24000<br> $1340.24000<br> $1340.24000<br> $1340.24000<br> $1340.24000<br> $1340.24000<br> $1340.24000<br> $1340.24000<br> $1340.24000<br> $1479.64000<br> $1479.64000<br> $1479.64000<br> $1479.64000<br> $1479.64000<br> $1479.64000<br> $1479.64000<br> $1479.64000<br> $1497.64000<br> $1479.64000<br> $1479.64000<br> $1479.64000<br> $0.00000 | 91.600% | 66.700% | 83.500% | 91.800% | $1354.85 | $32516.32 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $178157.50 | 3.375% | $865.81 | $1416.21 | 2026-01-28 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,416.21 (xx), which was applied for the due date of xx/xx/2026. The current xxis $865.81 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $178,157.50. | $2715.80 | $0.00 | $2762.40 | $2762.40 | $0.00 | $2762.40 | $1381.20 | $0.00 | $1381.20 | $1381.20 | $1381.20 | $1381.20 | $1381.20 | $1416.21 | $1416.21 | $2832.42 | $1416.21 | $1416.21 | $1416.21 | $5114.43 | $0.00 | $1416.21 | $1416.21 | $0.00 | 000011112222222211212333 | 333212112222222211110000 | 2026-01-05 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $2715.80000<br> $0.00000<br> $2762.40000<br> $2762.40000<br> $0.00000<br> $2762.40000<br> $1381.20000<br> $0.00000<br> $1381.20000<br> $1381.20000<br> $1381.20000<br> $1381.20000<br> $1381.20000<br> $1416.21000<br> $1416.21000<br> $2832.42000<br> $1416.21000<br> $1416.21000<br> $1416.21000<br> $5114.43000<br> $0.00000<br> $1416.21000<br> $1416.21000<br> $0.00000 | 109.300% | 66.700% | 110.200% | 113.200% | $1547.94 | $37150.52 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $211893.88 | 7.000% | $1419.76 | $1668.13 | 2026-01-28 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,668.13 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,419.76 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $211,893.88. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1668.13 | $2000.00 | $1800.00 | $0.00 | $2000.00 | $0.00 | 0000 | 0000 | 2026-01-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1668.13000<br> $2000.00000<br> $1800.00000<br> $0.00000<br> $2000.00000<br> $0.00000 | 18.700% | 40.000% | 74.600% | 37.300% | $311.17 | $7468.13 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $299735.32 | 6.625% | $1920.93 | $2648.22 | 2026-01-22 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2025 in the amount of $2,648.22 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,920.93 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $299,735.32. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2648.22 | $0.00 | $0.00 | 0 | 0 | 2025-12-31 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2648.22000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $110.34 | $2648.22 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $315325.61 | 7.000% | $2123.18 | $2803.18 | 2026-01-16 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $2,803.18 (xx), which was applied for the due date of xx/xx/2026. The current xxis $2,123.18 with an interest rate of 7.000%. The current UPB is $315,325.61. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2630.25 | $2630.25 | $2630.25 | $2630.25 | $2630.25 | $2630.25 | $2630.25 | $2681.58 | $2681.58 | $2812.36 | $2803.18 | $2864.25 | $2803.18 | $2803.18 | $0.00 | 00000000000000 | 00000000000000 | 2026-01-16 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2630.25000<br> $2630.25000<br> $2630.25000<br> $2630.25000<br> $2630.25000<br> $2630.25000<br> $2630.25000<br> $2681.58000<br> $2681.58000<br> $2812.36000<br> $2803.18000<br> $2864.25000<br> $2803.18000<br> $2803.18000<br> $0.00000 | 56.300% | 66.700% | 83.800% | 89.100% | $1577.54 | $37861.06 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $1428241.70 | 4.875% | $7567.68 | $12039.89 | 2026-01-13 | 2026-02-01 | 0 | According to payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $12,039.89 (xx), which was applied for the due date of xx/xx/2026. The current xxis $7,567.68 with an interest rate of 4.875%. The current UPB reflected as per the payment history $1,428,241.70. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $12039.89 | $0.00 | 0 | 0 | 2026-01-13 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $12039.89000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $501.66 | $12039.89 |
| xx | xx | xx | xx | xx | xx |  |  | xx | xx | xx | xx | $239480.78 | 5.575% | $1374.01 | $1927.88 | 2026-01-06 | 2026-02-01 | 0 | According to the payment history as of xx/xx/2026, the borrower xx, and the next due date is xx/xx/2026. The last payment was received on xx/xx/2026 in the amount of $1,927.88 (xx), which was applied for the due date of xx/xx/2026. The current xxis $1,374.01 with an interest rate of 5.575%. The current UPB reflected as per the payment history is $239,480.78. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1927.88 | $1927.88 | $0.00 | 00 | 00 | 2026-01-06 | 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025<br> 11/1/2025<br> 12/1/2025<br> 1/1/2026<br> 2/1/2026 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1927.88000<br> $1927.88000<br> $0.00000 | 8.300% | 66.700% | 33.300% | 16.700% | $160.66 | $3855.76 |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan Number** | **Loan Number 2** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Agency Grade** | **Final Overall Credit Grade** | **Final Overall Compliance Grade** | **Final Overall Property Grade** | **DBRS INITIAL Overall Agency Grade** | **DBRS FINAL Overall Agency Grade** | **DBRS INITIAL Credit Grade** | **DBRS FINAL Credit Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **DBRS INITIAL Property Grade** | **DBRS FINAL Property Grade** | **FITCH INITIAL Overall Agency Grade** | **FITCH FINAL Overall Agency Grade** | **FITCH INITIAL Credit Grade** | **FITCH FINAL Credit Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **FITCH INITIAL Property Grade** | **FITCH FINAL Property Grade** | **KROLL INITIAL Overall Agency Grade** | **KROLL FINAL Overall Agency Grade** | **KROLL INITIAL Credit Grade** | **KROLL FINAL Credit Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **KROLL INITIAL Property Grade** | **KROLL FINAL Property Grade** | **MOODY's INITIAL Overall Agency Grade** | **MOODY's FINAL Overall Agency Grade** | **MOODY's INITIAL Credit Grade** | **MOODY's FINAL Credit Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **MOODY's INITIAL Property Grade** | **MOODY's FINAL Property Grade** | **S&P INITIAL Overall Agency Grade** | **S&P FINAL Overall Agency Grade** | **S&P INITIAL Credit Grade** | **S&P FINAL Credit Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| xxx | xxx | xxx | xxx | Florida | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Secondary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Indiana | xxx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Hawaii | xxx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Alabama | xxx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Minnesota | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Rhode Island | xxx | Primary | Cash Out | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Indiana | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oregon | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Minnesota | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Indiana | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Delaware | xxx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Indiana | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oregon | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Hampshire | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Louisiana | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Investor | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Missouri | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Hampshire | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Investor | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Mexico | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nebraska | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Hawaii | xxx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Alabama | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Alabama | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Alabama | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Secondary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Tennessee | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Refinance | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | South Carolina | xxx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Alabama | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Tennessee | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Utah | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arkansas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Tennessee | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Secondary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Connecticut | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | South Carolina | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Tennessee | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Minnesota | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Rhode Island | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Delaware | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oregon | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Tennessee | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Utah | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Jersey | xxx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Jersey | xxx | Investor | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Delaware | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Indiana | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Tennessee | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Jersey | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Idaho | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Tennessee | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oregon | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Montana | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | West Virginia | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Utah | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Minnesota | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Idaho | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Hawaii | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Utah | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oregon | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Kansas | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Missouri | xxx | Investor | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Wisconsin | xxx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Louisiana | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Jersey | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Jersey | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Jersey | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Missouri | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Tennessee | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Minnesota | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Connecticut | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | South Carolina | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Investor | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | South Carolina | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Indiana | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Louisiana | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Wyoming | xxx | Primary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Connecticut | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Indiana | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Indiana | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Dakota | xxx | Investor | Cash Out | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arkansas | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Idaho | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | South Carolina | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Idaho | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oregon | xxx | Investor | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Idaho | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | South Carolina | xxx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Louisiana | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oregon | xxx | Secondary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | South Carolina | xxx | Primary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Missouri | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Utah | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Investor | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Kansas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oregon | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Indiana | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arkansas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Kansas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Mississippi | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oregon | xxx | Primary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Cash Out | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Alabama | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Investor | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Jersey | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Wisconsin | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Alabama | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oregon | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Montana | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Kansas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Wisconsin | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Delaware | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Delaware | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Kentucky | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Indiana | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Jersey | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Jersey | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Missouri | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Kentucky | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Missouri | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Connecticut | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Jersey | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Louisiana | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Louisiana | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Kentucky | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Connecticut | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Louisiana | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Tennessee | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Cash Out | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Louisiana | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arkansas | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Alabama | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Investor | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida |  | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Jersey | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Wisconsin | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary |  | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Indiana | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Connecticut | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Connecticut | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Rhode Island | xxx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Connecticut | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oregon | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Tennessee | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Alabama | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Minnesota | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Kentucky | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Mexico | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Tennessee | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Indiana | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Kansas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oregon | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Connecticut | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arkansas | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arkansas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Oklahoma | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington D.C. | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | South Carolina | xxx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Mississippi | xxx | Investor | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Investor | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Rhode Island | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Wisconsin | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Idaho | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Investor | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Minnesota | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Minnesota | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | South Carolina | xxx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Ohio | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington D.C. | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Utah | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Connecticut | xxx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Louisiana | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | South Dakota | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Mississippi | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | South Carolina | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Connecticut | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | South Carolina | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Primary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Alabama | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Georgia | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Wisconsin | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | North Carolina | xxx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Colorado | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Minnesota | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Mississippi | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Alaska | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Washington | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Michigan | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Arizona | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New Mexico | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Indiana | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Montana | xxx | Secondary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Massachusetts | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Virginia | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Rhode Island | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | South Carolina | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Nevada | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | California | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Pennsylvania | xxx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Texas | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Illinois | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Utah | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Maryland | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Hawaii | xxx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | New York | xxx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| xxx | xxx | xxx | xxx | Florida | xxx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |

---

## Exhibit 99.8

**Exhibit 99.8**

![](ex99-8_001.jpg)

PRPM 2026-RCF2

Opus Capital Markets Consultants, LLC

5718 Westheimer Road \| Suite 1000 \| Houston, TX 77057 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**March 11, 2026**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**PRP-Annex VI, LLC**

The report summarizes the results of a due diligence review performed on a pool of 3 loans, of which were purchased by PRP-Annex VI, LLC ("Customer") from clients of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac (2 loans) and OpusFirst (1 loan) underwriting software. Consultant performed a detailed review of all loans.

As detailed herein, the pool contains two (2) NQM loans and one (1) ATR/QM Exempt loan, which is a DSCR loan. Loans were re-underwritten to the lender guidelines under the terms of Exhibit A.

**EXHIBIT A**

**Credit Review**

<br> **Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

**a)** **Guidelines:** Determine whether
each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant
should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q,
Consultant will consider Fannie Mae's Single-Family guidelines.

**b)** **Employment:** Review the file
documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

**c)** **Income:** Recalculate borrower(s)
monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance
with the Client provided underwriting guidelines.

**d)** **Assets:** Confirm the presence
of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and
borrower liquidity.

**e)** **Debt Ratio:** Recalculate the
debt to income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided
underwriting guidelines and regulatory requirements.

**f)** **Property Valuation:** Analyze
all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility
of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client
provided underwriting guidelines.

**g)** **Loan-to-Value Ratio:** Recalculate
and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting
guideline and regulatory requirements.

**h)** **Credit History:** Review the
credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline
requirements.

**i)** **Credit Scores**:
Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

**j)** **Compensating Factors:** Verify
exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review**

<br> **Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Title Commitment / Policy:
Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and
tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Note / Security Instrument: Verify
the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders,
addendums and endorsement are present and duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed
of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present
and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title
company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review
and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent
document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document
was sent for recording.

&nbsp;&nbsp;&nbsp;&nbsp;· Conveyance Deed: Verify as applicable that
a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed
on the deed.

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Final Hud-1 Settlement Statement: If required,
verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance
requirements.

&nbsp;&nbsp;&nbsp;&nbsp;· Final Truth-in-Lending Disclosure: If required,
verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures
are present.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: If required based
on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate: If required verify the presence of the current Loan Estimate
(LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;· Closing Disclosure: If required verify the presence of the current Closing
Disclosure (CD) at the time of origination.

**c) Credit Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial
and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet: Verify the presence
of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit
report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting
guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History:
In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of
rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation:
When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist
in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift
Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of
income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing
income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify
the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each
loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative
Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of
insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm
that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending. The review is conducted using both Paragon and Compliance Ease.

If applicable, the regulatory compliance review will be conducted in line with the most recently dated Structured Finance Association (SFA) TRID Compliance Review Scope.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Federal Truth in Lending Act/Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Federal Truth in Lending Act/ Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s). Further, a review of proper rescission model form usage will be conducted in accordance with Circuit Court ruling methodology related to use of the H8 vs. H9 forms on same lender rescindable transactions. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Opus will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Business Days as Defined by Regulation Z

General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**c)** **MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Initial Delivery: Creditor must deliver the Initial Disclosures within 3 "general" business days of application

ii) No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures

iii) 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific" business days prior to closing

iv) 3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd "specific" business day after the consumer receives the corrected disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) APR on Final TIL: APR on Final TIL must be within tolerance 1/8 or <sup>1</sup>/<sub>4</sub> of percent
difference in APR based on regular or irregular payment stream.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Home Ownership Equity Protection Act (HOEPA) testing, to include:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR test [HOEPA (§1026.32(a)(1))] ]

ii) If missing initial application, missing initial application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a six-month window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. A condition should be set to identify that the application date or rate lock date is missing and that alternative (look-back) testing was utilized. Other evidence in the file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined by the Client on a case by case basis.

iii) Points and Fees test [HOEPA (§1026.32(a)(2))]

iv) Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) Review and confirm documentation type (i.e. full, stated, no ratio)

vi) Review for evidence of prepayment penalty

vii) Verification of Debt to Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement to be verified for all covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e) Federal Higher Priced Mortgage Loan Testing**, to include:

HPML(§1026.35(a)(1))] - A loan will be considered a Higher Priced Mortgage Loan if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on Conforming First Liens, 2.50% for Jumbo First Liens and 3.50% or more percentage points on Second Liens.

Escrow Requirement - Loans that fall under the guidelines of a Higher Priced Mortgage Loan (HPML) will require escrow accounts to be in place for the first five years of the transaction. A loan will be considered a Higher Priced Mortgage Loan based on the guidelines shown above (HPML Testing – APR)

HPML Appraisal Rule - An HPML designation also requires additional appraisal requirements. Requirements include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Three-day disclosure from application of the right to a free copy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written appraisal from certified or licensed appraiser

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interior inspection

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Delivery of copies no later than three days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If the property falls under the 'flipping' definition, a second
appraisal is required and must document:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The difference in the original sales price and the subsequent sales price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Changes in market conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property improvements

There is additional responsibility for providing copies of ALL documentation used in the valuation of the property, not just the final appraisal, and requirements for full appraisals, versus other forms of valuations. System enhancements have also been made to require verification of documentation and acknowledgement by the reviewer of evidence supporting the new requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**f)** **RESPA/Regulation X** (Loans
with an Application Date prior to 10/03/2015):

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will confirm
compliance with current RESPA requirements in effect at origination of the Mortgage Loan including the presence of the current GFE form
in effect at the time of origination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Verify the GFE was provided to the borrower(s)
within three days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application shall be
defined by Regulation X and generally be considered complete when the following seven conditions are met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Borrower(s) First and Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Subject Property Address (including "To Be Determined")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Mortgage Loan Amount Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Estimation of Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Monthly Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Any other requirement as defined in the lender's policies and procedures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will verify that all Broker fees,
including Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fees will be reviewed to ensure they are reasonable
and customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected
in the proper location on the document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to determine whether a Changed Circumstance
form is required to accompany each revised Good Faith Estimate (GFE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Change of Circumstance Definition:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Acts of God, war, disaster or other emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Information particular to borrower or transaction that was relied on in providing the GFE and that changes
or is found to be inaccurate after GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. New information particular to the borrower or transaction that was not relied on in providing the GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Other circumstances that are particular to borrower or transaction, including boundary disputes, need
for flood insurance or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. In the event any of the above occurs, the loan originator is required to provide a new revised GFE to
the borrower within 3 business days of receiving information sufficient to establish "changed circumstances" and document
the reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Rate Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge
or credit for rate chosen, adjusted origination charges, per diem interest and loan terms related to the rate may change. If borrower
later locks the rate, a new GFE must be provided showing the revised rate-dependent charges and terms. All other charges and terms must
remain the same as on the original GFE, except as otherwise provided above for "changed circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1: Consultant will confirm compliance
with current RESPA requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the current applicable Final HUD-1 form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Final HUD-1 accurately lists all broker and YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE) and Final HUD-1
Analysis: Confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Credit or Charge for Interest Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Adjusted Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Transfer Taxes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Lender-required settlement services (lender selects third-party
provider);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Lender-required services, title services and required title
insurance, and owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Government recording charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm all fees are accurately
reflected in the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm lender accurately provided
borrower adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm loan terms are accurately disclosed between the Good
Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm page 3 of the HUD-1 accurately
reflects fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) QM / ATR (QUALIFIED MORTGAGE/ABILITY TO REPAY) DODD FRANK REVIEW

**(LOANS WITH APPLICATION DATE ON OR AFTER 01/10/2014) Covers Legacy QM Rules (applications on or after 01/10/2014); elective compliance date of Revised QM Rules (applications on or after 3/1/2021); mandatory date of Revised QM Rules for GSE Purchase/Securitization (applications on or after 7/1/2021); and mandatory date of Revised QM Rules (applications on or after 10/1/2022)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** **QM/ATR (Qualified Mortgage/Ability to Repay)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a. Ability to Repay**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant will incorporate checkpoints for the ATR's eight verification steps for any origination
QC work. Consultant has the option to run ATR checks on any transactions subject to QM that fall outside the ability to meet QM guidelines,
whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the
ability to be screened for ATR if the QM testing fails or the loan is exempt from QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consultant is required to verify all information within the scope of the eight verification steps before
an ATR loan can pass. These eight tests include verifications of any amounts used in the loan consideration and a page(s) reference to the third-party records/documentation/images

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Income and Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly qualifying payments for the proposed loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payment for mortgage related obligations for the proposed
loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony and child support

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Qualifying monthly DTI and/or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. If all of the verifications are made and each of the eight topic
areas is confirmed to agree with the representations made by the lender, and there are no credit exceptions to the lender's guidelines,
the loan will pass the ATR test. If any of the conditions fail or the loan lacks the documentation to support the stated values in any
of the areas, affected items will not be considered verified and the loan will be subject to failing the ATR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. ATR results will be reported as ATR-Pass. ATR-Fail and ATR-Exempt.
This is in addition to existing credit and compliance related reporting by the Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b. Qualified Mortgage**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant's scope includes review of all available QM
types:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Legacy QM (for applications taken on or after January 10, 2014
until September 30, 2022);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Revised QM (for applications taken on or after March 1, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Agency QM (for applications taken on or after January 10, 2014
until June 30, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Agency QM with APOR (for applications taken on or after July
1, 2021); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Government QM (for applications taken on or after January 10,
2014).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** **Generally Applicable Factors** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The following factors are reviewed for Legacy, Revised, and Agency QM categories:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. REGULAR PAYMENTS. Provides for regular periodic payments that are substantially equal, except for the
effect of certain interest rate changes for adjustable or step rates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. TERM. Loan term does not exceed 30 years.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. POINTS AND FEES. Points and fees do not exceed the applicable threshold for the appropriate loan amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** **QM Rules Points and Fees Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Points and fees include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance charges, unless excluded;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The portion of upfront private mortgage insurance that exceeds FHA premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Loan originator compensation – Compensation/YSP known at the time of the consummation will be included
but Consultant does not review lender or broker compensation programs as part of its QM testing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Real estate-related fees if the creditor receives direct or indirect compensation in connection with
the fee or charge, the fee or charge is paid to a creditor affiliate or the fee or charge is not reasonable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Premiums for credit insurance, credit property insurance, and other insurances where the creditor is
the beneficiary, debt cancellation or suspension coverage payments;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum prepayment penalty; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Prepayment penalty paid in a refinance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Points and fees exclude:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Bona fide third-party charges not retained by the creditor;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Government mortgage insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Private mortgage insurance premiums up to an amount equal to government insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Up to two bona fide discount points if the interest before the discount does not exceed APOR by 1% based on a calculation that is
consistent with established industry practices for determining the amount of reduction in the interest rate or time-price differential
appropriate for the amount of discount points paid by the consumer; if no discount points excluded up to one bona fide discount point
if the loan's interest rate before the discount does not exceed APOR 2%; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Sellers points

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. A loan is a QM loan if the points and fees do not exceed (values marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3 percent of the total loan amount for a loan greater than or equal to $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. $3,000\* for a loan greater than or equal to $60,000\* but less than $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 5 percent of the total loan amount for a loan greater than or equal to $20,000\* but less than $60,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. $1,000\* for a loan greater than or equal to $12,500\* but less than $20,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. 8 percent of the total loan amount for a loan less than $12,500\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** **Legacy QM** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all Legacy QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Monthly Payment. The amount of the monthly payment on the loan is calculated using the maximum rate that
may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Appendix Q. Considers and verifies income, assets, employment, and debts in accordance with Appendix
Q. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. DTI. The DTI ratio of total monthly debt to total monthly income does not exceed 43 percent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Verified. Only verified amounts will be included in the QM debt-to-income test - verified income and
assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts. The calculated value will
be the verified debts divided by the verified income represented as a ratio, with amounts less than or equal to 43.00% passing, and anything
above 43.00% failing. Failing this test also results in returning an overall QM status of Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(5)** **Revised QM** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**i.** **Monthly Payment.** The amount
of the monthly payment on the loan is calculated using the maximum rate that may apply during the first five years and considers the monthly
payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**ii.** **Consider and Verify.** The creditor must consider and verify
the consumer's current or reasonably expected income or assets other than the value of the dwelling (including any real property
attached to the dwelling) that secures the loan, debt obligations, alimony, child support, and debt-to-income ratio or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Consider.** As part of the "consider"
 requirement, Consultant will review the (a) creditor's policies and procedures provided by Client, as well as any exceptions
 thereto, for how the creditor takes into account the underwriting factors enumerated above, and (b) the documentation retained by
 creditor, such as an underwriting worksheet or a final automated underwriting system certification in combination with the
 creditor's applicable underwriting standards and any applicable exceptions described in its policies and procedures, showing how the creditor took these factors into account in its ability-to-repay determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Verify**. Creditor is
 deemed to have complied with the "verify" requirement if it complies with the verification standards in one or more of
 these following agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10,
2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single-Family Housing Policy
Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single
Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single-Family Guaranteed
Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. For
purposes of compliance with the requirement to verify through reasonably reliable third- party records, a creditor need only comply with
those provisions in the manuals that require creditors to verify income, assets, debt obligations, alimony and child support using specified
documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations, alimony, and child
support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Revised versions of manuals. A creditor also complies with the verification requirement where<br>
it complies with revised versions of the manuals listed above, provided that the two versions are "substantially similar."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. The Revised QM Rule permits the creditor to "mix and match" verification standards from
 different agency manuals. Consultant will test the creditor's "verification" of third- party records in instances
 when the creditor either uses (a) its own procedures or alternatively, (b) the verification standards of one or more of the agency
 handbooks listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Note: the creditor (or client, as the case may be,) must provide written policies and procedures and related documentation such
 as underwriter worksheets in order for Consultant to review loans under the Revised QM Rules, and in particular, with regard to the
 "consider" and "verify" requirements. Further, if the creditor (or client, as the case may be) intends to
 use the verification safe harbor, its written policies and procedures must specify the precise agency handbook(s) that it is relying
 on with specific references to the particular provisions addressing income, assets, debt obligations, alimony and child support
 using specified documents or to classify and count particular inflows, property, and obligations as income, assets, debt
 obligations, alimony, and child support – as well as the specific dates(s) of the agency handbook(s) issuance, publication or
 revision. In addition, Consultant is not responsible for determining whether revised versions of the manuals listed above are
 "substantially similar" for purposes of the verification safe harbor; such a determination of the sole responsibility of
 the creditor (or client, as the case may be).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Note: due to the inherent subjectivity of the foregoing "consider" and
 "verify" requirements, Consultant will review the creditor's (or client's, as the case may be) (i) policies
 and procedures and worksheets and (ii) methods and criteria for verification of income and assets (regardless of whether the
 "safe harbor" is utilized) for content only, and will not opine whether such policies and procedures, worksheets and
 verification methods and criteria themselves comply with applicable law, and cannot guarantee that a court, governmental regulator,
 rating agency or another third party diligence provider would reach the same conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. APR-APOR Spread and Loan Thresholds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The APR on the loan does not exceed APOR for a comparable transaction
as of the date the interest rate is set the following loan amount thresholds (values marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For a first-lien loan with a loan amount greater than or equal to '$110,260,\* 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For a first-lien loan with a loan amount greater than or equal to $66,156\* but less than $110,260\*, 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For a first-lien loan with a loan amount less than $66,156,\* 6.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For a subordinate-lien loan with a loan amount great than or equal to $66,156\*, 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For a subordinate-lien loan with a loan amount less than $66,156\*, 6.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For a first-lien loan secured by a manufactured home with loan amount less than $110,260\*, 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Short Term ARMs.** The APR used
on short term ARMs of five years or less uses the maximum rate in the first five years for the entire term of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**iv.** **ATR Presumptions for Revised QM Rules** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Safe Harbor. For first-lien transactions, a loan receives a conclusive presumption that the consumer
had the ability to repay (and hence receives the "safe harbor" presumption of QM compliance) if the APR does not exceed the
APOR for a comparable transaction by 1.5 percentage points or more as of the date the interest rate is set.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Higher Priced. A first-lien loan receives a rebuttable presumption that the consumer had the ability
to repay if the APR exceeds the APOR for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points.
There are higher thresholds for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing
loans—all of which will be tested by Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(6)** **Agency QM/ Temporary Qualified Mortgage (TQM) covered by the GSE Patch** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all Agency QM loans must be eligible for sale
to Fannie Mae or Freddie Mac. The selling guides for the agencies include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(7) **Agency QM with APOR/ General Qualified Mortgage (QM) testing.** Meets
the test for "Agency QM" and the APOR test applicable for Revised QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(8)** **Government QM/ General Qualified Mortgage (QM) Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A Government QM is defined as a qualified mortgage by the U.S. Department of Housing and Urban Development
under 24 CFR 201.7 and 24 CFR 203.19, the U.S. Department of Veterans Affairs under 38 CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department
of Agriculture under 7 CFR 3555.109. The guidelines include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(9)** **QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For QM/TQM testing, the results of the debt-to-income test (Legacy QM), APR-APOR spread test (Revised
QM), or guideline review (TQM) and the Points and Fees test will result in the following available compliance conditions as requested
by the rating agencies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM/TQM-ATR Pass / Non-HPML [QM or TQM – Pass / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM/TQM-ATR Pass / HPML [QM or TQM – Pass / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· ATR Fail / Non-HPML [QM or TQM – Fail / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· ATR Fail / HPML [QM or TQM - Fail / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· NonQM / Compliant [NonQM or TQM Loan, Exempt / ATR – Compliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· NonQM / Noncompliant [NonQM or TQM Loan, Exempt / ATR –Noncompliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Not Covered – / Exempt [QM or TQM – Exempt / ATR – Exempt]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For Revised QM Rules testing, the following results will be provided to establish Verified Safe Harbor
designation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· VSH Confirmed [Verified Safe Harbor]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· NVSH Confirmed [Not Verified Safe Harbor]

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(10)** **Legacy and Revised QM Rules** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Current testing for Higher Priced Covered Transactions will
be performed using one of two formulas, normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Covered Transaction
if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage
points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium
factor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**h) Regulatory Compliance Disclaimer**

Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**i) Seasoning And Certain Compliance Exceptions**

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**TRID**

1) TILA RESPA Integrated Disclosure Statement of Work

**Eligibility**

The following criteria are used in determining whether TRID applies:

&nbsp;&nbsp;&nbsp;&nbsp;· The Application Date is October 3, 2015, or
later (the earlier of the date the broker or lender received the borrower's application).

&nbsp;&nbsp;&nbsp;&nbsp;· The Loan Purpose and Property Type includes a closed-end mortgage secured
by real estate:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Purchase

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Refinance
(Cash Out or Rate Term)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Construction
and Construction to Permanent Financing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o SFR,
1-4 Unit, PUD, Condo and Coops (Coop may be excluded based on Client instructions)

&nbsp;&nbsp;&nbsp;&nbsp;· The Loan Purpose and Property Type does not include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o HELOCs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Reverse
mortgages

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Dwellings
that are not attached to real property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mobile
homes, where the consumer does not own the land,

&nbsp;&nbsp;&nbsp;&nbsp;· For purposes of determination of Occupancy, TRID applies to loans for owner
occupied, second home and vacant land.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus will apply the standard exemptions from
TILA, i.e., business purposes loans, loans for agricultural purposes and loans secured by five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Please be aware that TILA contains a TRID-specific exemption for certain subordinate lien loans for the purposes of various types of assistance programs such as down payment or closing cost, property rehabilitation, energy efficiency or foreclosure avoidance or prevention. Opus will not test such loans for TRID compliance.

**Loan Estimate (″LE″)**<br> 1. Initial LE

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of compliance with timing requirements
as to whether the Initial LE was delivered within three (3) business days from the Application Date. The Initial LE shall use the delivery
date to calculate the earliest closing Consummation Date (no less than seven (7) business days from the delivery of the Initial LE). The
delivery date is the date the creditor hand delivers the disclosures or places the disclosures in the mail, 1026.19(e)(1)(b) If the LE
does not contain a signature line for the consumer's confirmation of receipt, then Opus will look for the "Loan Acceptance"
statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;· Verification that the
correct form is used and all sections of the Initial LE are completed (no blanks, "NA's" or incomplete sections) and
the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical
formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of the document preparation
source.

&nbsp;&nbsp;&nbsp;&nbsp;· General loan information and loan terms sections
completed and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify all applicants applying for credit, as disclosed on the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;· "Can this amount
increase after closing?" and "Does the loan have these features" sections are completed and are accurate based on the
terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· If rate is locked, were lock expiration date,
time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;· Settlement charges good
through date, time and time zone disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees are locked
during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and Estimated Taxes, Insurance
& Assessments sections are complete and accurate based on the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· The Closing Costs and
Cash-to-Close sections are complete and accurate based on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees disclosed properly (alphabetical order
within Section with certain exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· It is recommended that an Itemization of Fees
is provided for any fees disclosed as "Aggregate". It is quite difficult to determine if the fees are disclosed properly without
this information.

&nbsp;&nbsp;&nbsp;&nbsp;· Any addenda found in file listing ADDITIONAL fees for sections other than
Section C

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only Payments,
Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on
early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step Rate, is
Adjustable Interest Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· The Comparison section is complete and accurate
as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· In 5 Years calculations
for Total of Payments (TOP) and Total Principal Paid are accurate based on the terms and fees disclosed on page 1 and 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· APR is accurate within tolerance based on the
terms disclosed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;· Total interest Percentage (TIP) is accurate based on the loan terms disclosed
on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Rounding rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;· Other Considerations Section is complete

2. Revised LEs

If there has been a revision to the LE, validate that the Revised LE is provided within three (3) days of COC, BRC or interest rate lock. Review as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Changed
Circumstance affecting settlement charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Change
Circumstance affecting eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Revisions
requested by the consumer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Interest
rate dependent charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Expiration
of the LE and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Delayed
settlement date on a construction loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Timing
Requirement for LE 7 days prior to consummation

3. Determination of Final Binding LE

&nbsp;&nbsp;&nbsp;&nbsp;· Review and analyze each LE in file to determine
final Binding LE. If there is a change in loan terms, change in interest rate or increase in charges subject to variances without valid
reason for a Revised LE as set forth above, findings will be cited. If a Revised LE was issued without a valid reason, the previous valid
LE would be considered the Binding LE for the purposes of comparison with the Closing Disclosure. [Also see Variance Tests and Closing
Disclosure for COC/BRC events disclosed after issuance of Initial CD]

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of compliance with timing requirements
that there have been no loan estimates provided to the borrower after a Closing Disclosure has been delivered, and whether the Final LE
was provided at least four (4) business days prior to the closing Consummation Date.

If the LE does not contain a signature line for the consumer's confirmation of receipt, then Opus will look for the "Loan Acceptance" statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;· Verification that the
correct form is used and all sections of the Initial LE are completed (no blanks, "NA's" or incomplete sections) and
the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical
formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of the document preparation
source.

&nbsp;&nbsp;&nbsp;&nbsp;· General loan information and loan terms sections
completed and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;· Verify loan term, purpose, and product descriptions
follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;· Verify all applicants applying for credit, as
disclosed on the application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· If rate is locked, were lock expiration date, time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;· Settlement charges good
through date, time and time zone disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees are locked
during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and
Estimated Taxes, Insurance & Assessments sections are complete and accurate based on the loan terms and information known at the time
of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· The Closing Costs and Cash-to-Close sections
are complete and accurate based on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees disclosed properly (alphabetical order
within Section with certain exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· It is recommended that an Itemization of Fees is provided for any fees disclosed
as "Aggregate". It is quite difficult to determine if the fees are disclosed properly without this information

Any addenda found in file listing ADDITIONAL fees for sections other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only Payments, Optional Payments,
Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on early disclosures
in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step Rate, is Adjustable Interest
Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· The Comparison section is complete.

&nbsp;&nbsp;&nbsp;&nbsp;· Rounding rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;· Other Considerations Section is complete

4. Written List of Providers ("WLSP")

If the lender places fees in the Services You Can Shop For category, verify that the file contains a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must include at least one available provider for each service and state the consumer may choose a different provider for that service. If a written list of service providers is not provided, the fees will be treated as a 10% Tolerance fee but a finding for missing service provider list will be noted. If a written list of service providers is provided outside of three (3) days of the application date, the fees will be treated as a 10% Tolerance fee but a finding for a service provider list being provided outside of three (3) days from application will be noted.

5. Variance tests

Utilize one (1) of the following Variance Categories in performing variance tests:

**Zero Tolerance/Variance\*** - A finding will be cited if any charges increase from the Binding LE to the Final CD without COC or BRC. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;· Fees paid to the lender, broker or an affiliate
of either lender or broker [fees paid to an affiliate of the lender for services NOT required by the creditor are not subject to tolerance/variance
per CFR 1026.19(e)(3)(iii)(E)];

&nbsp;&nbsp;&nbsp;&nbsp;· Fees paid to an unaffiliated third party if the lender did not permit the
borrower to shop for servicer; and

&nbsp;&nbsp;&nbsp;&nbsp;· Transfer taxes.

&nbsp;&nbsp;&nbsp;&nbsp;· Lender Credits

Any fees that increase on the CD and are paid at closing by someone other than the borrower (e.g. seller or other third party) should be treated as borrower-paid for purposes of the tolerance calculations in 12 CFR § 1026.19(e)(3)(i) – (iii). For example, if a $500 appraisal fee (for which the borrower could not shop) was disclosed on the LE as paid by the borrower or in part by the seller, and the fee subsequently increases to $750 on the CD, the $250 increase must be considered, and a tolerance refund of $250 will be due to the borrower unless the increase had been re-disclosed subject to a valid changed circumstance. However, if a fee is not disclosed on the LE, or only the portion that is borrower-paid is disclosed on the LE, there is no tolerance violation (a) if there is evidence in the file to show that the fee was intended to be paid by the seller in full or in part (e.g. fee is addressed in the purchase contract and the amount to be paid by the seller on the CD corresponds with the contract) or (b) if the fee is known to be a fee that is the responsibility of the seller (i.e. a transfer tax in which local law/regulation provides that the seller is responsible for the fee). Fees paid by the lender should be reviewed for compliance with 12 CFR § 1026.19(e)(3)(i) (i.e. fees that increase and are subject to an increased lender credit do not constitute a violation, but a decreased lender credit that was not re-disclosed subject to a valid changed circumstance is a violation and will require a refund).

**10% Tolerance/Variance\*** – A finding will be cited if the aggregate of the charges increase by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed on the LE but not charged/reflected on the Final CD, the fee will be removed and not considered in calculating the 10% variance threshold pursuant to Comment 19(e)(3)(ii)-5. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;· Recording fees; and

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for third party services not paid
to creditor or affiliate AND borrower permitted to shop for service but selects a provider on the creditor's Written List of Service
Providers.

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid mortgage insurance will be treated
as a 10% tolerance fee if it can be shopped for (and not identified as an affiliate), otherwise it will be treated as a zero tolerance
fee.

&nbsp;&nbsp;&nbsp;&nbsp;· Client considers seller-paid
fees or fees paid by third-parties as borrower-paid for the purposes of tolerance calculations in 12 CFR §1026.19(e)(3)(i) –
(iii) as detailed in section (5) Variance tests (v)

No Tolerance/Unlimited – No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of disclosure (disclosed in good faith), such as:

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid interest;

&nbsp;&nbsp;&nbsp;&nbsp;· Property insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;· Impounds/Escrows;

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for services required by the creditor
but the borrower is permitted to shop for and borrower selects a third party provider not on the lender's Written Service Provider
List; and

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for third party services NOT required by the creditor (even if paid
to an affiliate of the creditor).

**Notes of interest for "No Tolerance/Unlimited":** No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of the disclosure (disclosed in good faith),

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid property taxes
charged by local and state governments periodically will have no tolerance under the general 'best information reasonably available'
standard unless otherwise instructed by the Client.

&nbsp;&nbsp;&nbsp;&nbsp;· As noted above, Opus will review the loan file
for evidence the disclosure was not made in "Good Faith". "Good faith" means the creditor made the estimate based
on the information reasonably available to them at the time the LE was provided. Absent such evidence, Opus will consider the
disclosures made in "good faith". Two examples where a disclosure would be considered not made in "good faith"
and a finding cited are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The creditor requires homeowner's insurance but fails to include a homeowner's insurance
premium; a finding will be added that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The creditor knows the loan must close on the 15th of the month but estimates prepaid interest to be
paid from the 30th of that month, a finding will be added that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;· Review for documentation itemizing fees from
the Binding LE to determine unrounded amounts of fees to use for performing tolerance testing only if a tolerance violation occurs. If
no fee itemization is found, tolerance testing will be performed based on the information in the disclosures and a tolerance violation
will be noted if applicable. Utilize fee information from closing instructions or a vendor compliance report, if the file contains the
referenced support documentation.

Additionally, if a documented valid COC or BRC occurs resulting in a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test will be performed based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after initial CD has been provided) provided that the change is related to the COC or BRC.

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with no Interim LE and no COC or
BRC occurring four (4) days prior to consummation, fees and charges on the CD are tested for compliance with permitted variances against
fees disclosed on Initial LE.

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with an Interim LE, the following procedures will be applied:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Review of each Interim LE and fees and charges
on the CD are tested for compliance with variance thresholds against fees supported by a valid COC or BRC related to the charge that increases

&nbsp;&nbsp;&nbsp;&nbsp;· In cases where an Interim LE is issued with
several fee increases, but only some are supported by or related to a valid COC or BRC, those fees which are not supported by or related
to a valid COC, BRC or disclosed on an LE that was not provided timely (within three (3) business days of changed circumstance) will be
tested for variance using the amounts disclosed in the Initial LE previously valid LE.

**Closing disclosure (″CD″)**

&nbsp;&nbsp;&nbsp;&nbsp;· Opus will conduct a general CD review and verify the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Recommendation: Closing Disclosure provided
at closing be marked "Final." Although this is not a requirement, marking the Closing Disclosure as Final will ensure a timely
review.

&nbsp;&nbsp;&nbsp;&nbsp;· That the correct form is used and all sections of the CD are completed (no
blanks or incomplete sections).

&nbsp;&nbsp;&nbsp;&nbsp;· Acknowledgement of receipt by all borrowers
with a right to rescind under 1026.23 by verifying that each borrower with a right to rescind was provided with a copy of the CD. This
could include the non-borrowing spouse. Acknowledgement is based on lender guidelines

&nbsp;&nbsp;&nbsp;&nbsp;· If the CD does not contain a signature line
for the consumer's signature, Opus will look for the required alternative statement in "Other Disclosures" with the
heading of "Loan Acceptance". While not required, Opus highly recommends that the client require the CD to be signed and dated
by the consumer as it will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;· If a subsequent CD is issued having changes
to (a) the loan product which affects disclosed terms and loan information; (b) the addition of a prepayment penalty; or (c) an APR which
exceeds the previously disclosed APR by more than 1/8 or <sup>1</sup>/<sub>4</sub> of one percent on regular or irregular transactions,
as the case may be for accuracy. Consultant will test that the borrower was given an additional three (3)-business day waiting period
from the date of final pre-close CD with (a) the final loan product; (b) the prepayment penalty addition; or (c) the APR, and that the
final pre-close CD has been received by borrower by consummation. APR reductions beyond these tolerances require the additional 3 day
waiting period unless the overstated APR was based on an overestimated finance charge.

&nbsp;&nbsp;&nbsp;&nbsp;· On the interim and final pre-close CDs the following checks and limitations
apply:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical formatting of
the CD is out of scope in the standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;· Closing, Transaction and Loan Information sections have been completed with
accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan terms sections are completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Opus will verify loan term, purpose, and product descriptions follow the
prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Opus will verify all applicants applying for credit, as disclosed on the
application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and Estimated Taxes, Insurance & Assessments sections
are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees have been disclosed properly (alphabetically,
correct buckets and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· Any addenda found in file listing ADDITIONAL
fees for sections other than Section C (Services You Can Shop For) is completed properly.

&nbsp;&nbsp;&nbsp;&nbsp;· Calculating Cash to Close table completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Summaries of Transaction section completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Disclosures section complete:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o CD Assumption, Demand Feature, Negative Amortization,
and Partial Payments sections completed properly (at least and only one box selected).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Late Payment completed properly (terms disclosed and accurate per note).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Escrow Amount section completed properly (only one box selected and amounts
disclosed).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Escrow Property Costs over Year 1 to be calculated
per the payments scheduled to be made in a 1 year period after consummation (1026.38)(I)(7)(i)(A)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Non-Escrowed Property Costs over 1 Year to
be calculated using either 11 or 12 months as determined by client. (1026.38)(I)(7)(i)(B)(1)

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only, Optional Payments, Step
Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step, is Adjustable Interest Rate (″AIR″) Table disclosed
accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Calculations section complete and accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Total of Payments is accurate per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Include fees in section A, B, and C that are
paid by the borrower as well as the seller or other if those fees are customarily paid by the borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Capture amounts disclosed in Loan Calculations
section and test for TILA tolerance violations on disclosed APR and Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Total Interest Percentage (TIP) accurate with proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other Disclosures section complete with at least one choice selected as
applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Review for the creditor's selection
of one of the two options in the Liability After Foreclosure section, but will not make an independent judgment whether or not the selection
is correct for the property state. Only issue a condition if either no selection is made or if both selections are made.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Contact Information section is complete with
information from each party of the transaction provided as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Rounding rules verified as per 1026.38(t)(4).
Rounding on all percentages except APR is percentages should be truncated so that a zero is not disclosed in the last decimal place (7.250
should be rounded to 7.25).

**TRID Method of Receipt Of LE And CD**

Determine the method of receipt of the revised LE and CD and perform a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;· In Person: borrower signature date is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - No Receipt Confirmation in File:
three (3) business days from later of document issue date or proof of e-delivery date is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - With Receipt Confirmation in File, date of receipt confirmation
is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - Delivery confirmation of an email, assuming the borrower(s)
have consented to electronic delivery.

&nbsp;&nbsp;&nbsp;&nbsp;· Mail (USPS or other parcel delivery service)
– No Receipt Confirmation in File: three (3) business days from later of document issue date or proof of mailing date is used. Delivery
confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the
borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements.

Mail (USPS or other parcel delivery service) – With Receipt Confirmation in File: date of receipt confirmation is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.

\*NOTE: If disclosures are sent electronically, a finding will be cited if there is no evidence in the file that the borrower consented to receive disclosures electronically. Default to the three (3) business day mail rule for delivery without the proper documentation of borrower consent.

**Other Recommended TRID Compliance Tests**

Apply the following additional compliance tests which were included in the recommended review scope resulting from the 2015 CFPB Amendments:

&nbsp;&nbsp;&nbsp;&nbsp;· Use of TRID forms prior to TRID effective date:
a finding will be cited if the new TRID forms are utilized on a loan with an application received prior to the October 3, 2015 effective
date.

&nbsp;&nbsp;&nbsp;&nbsp;· Use of TRID forms on loans not covered by
TRID: a finding will be cited if the new TRID forms are utilized on loans not covered by TRID (i.e., HELOC, i.e. reverse mortgages, i.e.
Chattel Dwelling loans (loans on mobile homes that are not also secured by the underlying real property or loans on houseboats).

&nbsp;&nbsp;&nbsp;&nbsp;· Your Home Loan Toolkit: a finding will be
cited if the new Your Home Loan Toolkit Disclosure or evidence the disclosure was delivered or placed in the mail is not in the file or
was not provided to the borrower within three (3) business days of application.

&nbsp;&nbsp;&nbsp;&nbsp;· Consummation Date: Consummation varies by
applicable state law and the term is not often clearly defined. Accordingly, generally use the notary date. If there are multiple borrowers
and they do not all sign the documents on the same day, then use the latest signature date.

&nbsp;&nbsp;&nbsp;&nbsp;· Post-Consummation Disclosures: TRID review
scope will not include testing for compliance with the following post-consummation disclosures under TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Escrow Closing Notice; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Mortgage servicing transfer and partial payment notices.

**Subsequent Changes After Consummation**

The following prescribed cures as set forth in section 1026.19 (f)(2)(iii) through (v) are acceptable for changes and corrections to the

Final CD after consummation.

1026.19(f)(2)(iii) – Changes due to events occurring after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· If within 30 days of consummation, an event
in connection with the settlement of the transaction occurs that causes the final CD to become inaccurate and such inaccuracy results
in a change to an amount actually paid by the borrower(s) from the amount disclosed, test for evidence that a new, corrected CD is delivered
or placed in the mail to the borrower within thirty (30) days of receiving information that an event occurred.

1026.19(f)(2)(iv) – Changes due to clerical errors.

&nbsp;&nbsp;&nbsp;&nbsp;· Non-numeric clerical errors, for the purpose
of this scope document are any error not related to a disclosed dollar amount or percentage. Test for evidence a new, corrected CD is
delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation. Examples of non-numeric clerical errors
include but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the closing information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the transaction information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to loan id # or MIC #.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to non-numeric identifiers in the Estimated Taxes, Insurance
& Assessments section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the fee labels and/or order of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the location of the fee(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to missing cure language.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the "Did This Change" section of Calculating
Cash to Close.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Loan Disclosures section

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to non-numeric items in the Escrow Account section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Other Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Contact Information section.

&nbsp;&nbsp;&nbsp;&nbsp;· 1026.19(f)(2)(v) – Refunds related to the good faith analysis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Test for evidence such as a copy of the refund
check, a new corrected CD, and evidence the creditor delivered or placed in the mail to the borrower within sixty (60) calendar days of
consummation.

A post-consummation CD is understood to be a re-issued CD with a Date Issued represented as the date the post-consummation CD was issued. Corrections to the final pre-close CD should not be accepted as a post-consummation CD noted in the prescribed cures above.

Errors on LE's and Interim CD's and numeric errors on final CD's do not have prescribed cures as per the regulation and therefore will not be reported as having been cured. The assessment of risk and decision to accept a finding that does not have a prescribed cure is the responsibility of the purchaser of the loan.

**Additional Disclosures and Requirements:**

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was
provided to the borrower(s) within three general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications
prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business
days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business
Disclosure in file in the event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure
provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within
three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates
for provision of third party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided at closing
or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the lender has provided the borrower
a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may
be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided (delivered)
copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan
File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation
processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;· For a borrower that has waived the 3-business
day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation
or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm
that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided the borrower
the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)),
as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation,
but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure,
confirm the disclosure was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided a copy
of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

&nbsp;&nbsp;&nbsp;&nbsp;· Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101
et seq..

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-
746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn.
Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection
Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans
closed before July 1, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;· Georgia Fair Lending Act, Ga. Stat. Ann. §
7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act.
93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Chicago, Illinois, Anti-Predatory Lending
Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code
of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House
Bill 4050 (2005).

&nbsp;&nbsp;&nbsp;&nbsp;· Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code
§24-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections
in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1);
8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending,
(for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1;
12-127; 12- 409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland
 Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage
 Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs.
 §§ <u>09.03.06.01</u> et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as
amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Pr <u>edat</u> ory Home Loan Practices Act, M.G.L. Chapter 183C,
§§ 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter
183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800
(15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§
32.00 et.seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184,
§17B.5.

&nbsp;&nbsp;&nbsp;&nbsp;· Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing
Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat §
45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly
Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home O <u>wne</u> rship Security Act of 2002, NJ Stat. Ann. §
C:46:10B-22 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate
Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in
NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

&nbsp;&nbsp;&nbsp;&nbsp;· North Carolina Anti-Predatory Lending Law,
N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§
24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386
as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Consumer Sales Practices
Act, Ohio Rev. Code Ann. § 1345.01, as imple <u>men</u> ted
by Ohio Admin. Rules § 109 4-3-01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· City of Cleveland Heights,
Ohio, Anti-Predatory Lending Ordinance, Ordi <u>nan</u> ce
No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordi <u>nance,</u> Ordinance No. 2004- 618, Muni. Code §§
201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House
Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§
160:45-9- 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. §
456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home Loan Protection Act, R.I.
Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by
Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter
2006-33, Ordinance No. 245.

&nbsp;&nbsp;&nbsp;&nbsp;· South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified
at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated prior to July
1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for
loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va.
Code § 31-17 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. §
428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial or agricultural
purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior
lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate is provided by
a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners
association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal

misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Signatures: Validate signature consistency
across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency
of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations
to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the
loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency
of data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third
party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of
all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued
with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made
or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing
the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP")
or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews
for the purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus makes no representation or warranty as to the value
of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not an Appraisal
Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not a creditor within
the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not
have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an

exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised
Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest
Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest
Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original
Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property
Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property
City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property
State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property
Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales
Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second
Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self
Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip
Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM
Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated
in accordance with the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade Definition: Loan was
originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any
exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition:
Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating
factors for the exceptions or is missing material documentation.

**Opus Property Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade
Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal
process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade
Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade
Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with
respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade
Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There
are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's
obligation under the loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws
and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA
and Zip

&nbsp;&nbsp;&nbsp;&nbsp;· Any Phone Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification
of the location of a property (e.g. neighborhood, body of water, schools, major highways)

&nbsp;&nbsp;&nbsp;&nbsp;· Driver's License Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Email Addresses

**DSCR Loan Review**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:**

&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review
and confirm borrower's liquidity position adheres to Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit / Background Check:** Review and confirm each guarantor and/or owner of
the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm management experience
meets Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Borrowing Entity:** Confirm
the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the
organization has the authority to bind the entity (if applicable documents are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting
Guidelines per Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm
the loan terms are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan Property
and Market Requirements are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of
DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting

Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm
Condo Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm
each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Preliminary/Commitment Title:** Review and confirm first lien holder position,
validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check**

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial
and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit
report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting
guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing
payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of
mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When Letters of Explanation
are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters are required
by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of
income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing
income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of
asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan
file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative
Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of insurance
certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate
coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;· No compliance testing for the DSCR review.

<u>Pool Details</u>

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Purpose** | **Purpose** | | |
| | Type | Count | | % of <br> Pool |
| &nbsp;&nbsp;Cash out Refi |  |  | 2 | 66.67% |
| &nbsp;&nbsp;Purchase |  |  | 1 | 33.33% |
| &nbsp;&nbsp;Rate / Term Refi |  |  | 0 | 0.00% |
| &nbsp;&nbsp;**Total** |  |  | **3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **Property Type** | **Property Type** |
| Type | Count | % of Pool |
| &nbsp;&nbsp;Single Family Detached | 3 | 100.00% |
| &nbsp;&nbsp;Co-op | 0 | 0.00% |
| &nbsp;&nbsp;Condo, Low Rise | 0 | 0.00% |
| &nbsp;&nbsp;Condo, High Rise | 0 | 0.00% |
| &nbsp;&nbsp;PUD | 0 | 0.00% |
| &nbsp;&nbsp;1 Family Attached | 0 | 0.00% |
| &nbsp;&nbsp;2 Family | 0 | 0.00% |
| &nbsp;&nbsp;3 Family | 0 | 0.00% |
| &nbsp;&nbsp;4 Family | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Count | % of Pool |
| &nbsp;&nbsp;Primary Residence | 2 | 66.67% |
| &nbsp;&nbsp;Second Home | 0 | 0.00% |
| &nbsp;&nbsp;Investment Property | 1 | 33.33% |
| &nbsp;&nbsp;**Total** | **3** | **100.00%** |

---

---

| | | | |
|:---|:---|:---|:---|
|  | **Product Type** | **Product Type** | **Product Type** |
|  | Type | Count | % of Pool |
| &nbsp;&nbsp;Fixed |  | 1 | 33.33% |
| &nbsp;&nbsp;ARM |  | 2 | 66.67% |
| &nbsp;&nbsp;**Total** |  | **3** | **100.00%** |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| <br> **Data Element** | **Count** | **Accuracy** |
| &nbsp;&nbsp;Application Date | 1 | 66.67% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | 1 | 66.67% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | 1 | 66.67% |
| &nbsp;&nbsp;B1 Originator Citizenship Designation | 1 | 66.67% |
| &nbsp;&nbsp;Number of Mortgaged Properties | 1 | 66.67% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | 1 | 66.67% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | 2 | 33.33% |
| &nbsp;&nbsp;Principal & Interest 1 | 1 | 66.67% |
| &nbsp;&nbsp;**Total Loans** | **3** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| S&P | Moody's | Fitch | Kroll | DBRS | Definition |
| A | A | A | A | A | Loan conforms to all applicable guidelines, no conditions noted |
| B | B | B | B | B | Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| C | C | C | C | C | The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| D | D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| S&P | Moody's | Kroll | DBRS | Definition |
| A | A | A | A | The loan was originated in compliance with applicable federal, <br> state, and local predatory and high cost, TILA, and Regulation Z <br> laws and regulations |
| B | B | B | B | The loan was originated in compliance with applicable federal, <br> state, and local predatory and high cost, TILA, and Regulation Z <br> laws and regulations; however, minor evidentiary issue(s) exist |
| C | C | C | C | The includes material violation(s) with applicable federal, state, <br> and local predatory and high cost, TILA, and Regulation Z laws <br> and regulations |
| D | D | D | D | The loan file is missing critical documentation required to perform<br> the review |

---

---

| | |
|:---|:---|
| Fitch | &nbsp;&nbsp;Definition |
| A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| S&P | &nbsp;&nbsp;Definition |
| A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated March 11, 2026.

**Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| **Fitch NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 2 | 66.67% |
| B | 1 | 33.33% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| **Fitch NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 2 | 66.67% |
| B | 1 | 33.33% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| **Fitch NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 3 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| **Fitch NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 3 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**<u>Loans Reviewed (3)</u>**

31120261001

31120261002

31120261003

If you have any questions, please contact Uriah Clavier at <u>Uriah.Clavier@opuscmc.com</u>

## Exhibit 99.8

**Exhibit 99.8 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan ID** | **Channel** | **Rate Lock Date** | **Application Date** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Residual Income** | **Points And Fees** | **Points And Fees Without Reductions** | **APR** | **Qualifying Interest Rate** | **Average Prime Offer Rate** | **GSE Eligibility** | **Opus QM ATR Status** | **S&P QM ATR Status** | **Fitch QM ATR Status** | **Moodys QM ATR Status** | **TRID** | **Client Loan Number** | **Loan Guid** |
| XXXXXXX | XXX | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XXXXXXX | 11693.9 | 11693.9 | 0.071 | 0.075 | 4.66 | No | Non-QM/Compliant | Non-QM/Compliant | Non-QM | NonQM | Yes | XXXXXXXX | XXXX |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | Seller Loan ID | Investor Loan ID | Alt Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| XXXXXXX |  | XXXXXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.19 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3247.29 | N/A | Employed |  | No |  | No |  |
| XXXXXXX |  | XXXXXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 3**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan #** | **Client Loan Number** | **Alt Loan ID** | **Data Field** | **Tape Data** | **Review Data** | **Tape Discrepancy Comments** |
| XXXX | XXXXXX | XXX | DTI | 45.56% | 45.57% | DTI discrepancy caused by slight variance in qualifying payment used. |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXXX |  | XXX | XXXXXXX | 0549-083 | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled from 1003. |
| XXXXXXX |  | XXX | XXXXXXX | 0549-083 | Prepayment Penalty Total Term | notePage | 0 | 3 | Audit Value Pulled from Note and Mortgage. |
| XXXXXXX |  | XXX | XXXXXXX | 0549-083 | ARM Initial Fixed Rate Period | notePage | 12 | 1/6 ARM | Audit Value Pulled from Note. |
| XXXXXXX |  | XXX | XXXXXXX | 0549-083 | B1 Originator Citizenship Designation | fraudReportPage | US Citizen | 1 | Audit Value Pulled From Final 1008. |
| XXXXXXX |  | XXX | XXXXXXX | 0549-083 | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 0 | Audit Value includes subject property. |
| XXXXXXX |  | XXX | XXXXXXX | 0549-083 | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1982.89 | 0.00 | Audit value pulled from documents located in the loan file. |
| XXXXXXX |  | XXX | XXXXXXX | 0549-083 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.06 | 37.36 | Audit value pulled from documents located in the loan file.  |
| XXXXXXX |  | XXX | XXXXXXX | 0549-083 | Principal & Interest 1 | complianceResultsPage | $XXXXXXX | $XXXXXXX | Audit value pulled from documents located in the loan file.  |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 5**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Client Loan Number** | **Alt Loan ID** | **Exception ID** | **Loan Status** | **Originator QM/ATR Status** | **TPR QM/ATR Status** | **Finding Group** | **Status** | **Category** | **Finding Name** | **Initial Comment** | **Client/Seller Reponse Comments** | **Conclusion Comment** | **Compensating Factors Merged** | **Loan Guid** |
| XXXXXXXXX | XXXXXXXX | XXX | XXXXX | Underwriting Complete | Non-QM/Compliant | Non-QM/Compliant | Compliance | Acknowledged B | Compliance | Closing Disclosure document error | The final Closing Disclosure reflects the incorrect Closing Date. |  | 03/28/2019: This finding is deemed non-material per SFIG and will be rated a B. |  | XXXX |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 6**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Job Number** | **Loan Number** | **Client Loan Number** | **Alt Loan ID** | **Final Rating** | **Credit Rating** | **Compliance Rating** | **Property Rating** | **Loan Guid** |
| XXXX | XXXXXXX | XXXXXX | XXX | 2 | 1 | 2 | 1 D B A | XXXX |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| XXXXXXXX |  | XXXXXXXX | XXX | $XXXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXXX |  | XXXXXXXX | XXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXXXX | XXXXXX |  | XXXXXXX | XXX | Closed | 2024-03-08 08:47 | 2024-03-12 10:19 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/12/2024 <br>Ready for Review-Refer to guidelines - At a minimum, the current month's bank statement showing beginning balance, Total deposits, total w/ds and ending balance... the complete statement is not required if the minimum requirements are captured on the partial statements provided. - Seller-03/11/2024 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Incomplete bank statements used for income qualification. - Due Diligence Vendor-03/08/2024 | Ready for Review-Refer to guidelines - At a minimum, the current month's bank statement showing beginning balance, Total deposits, total w/ds and ending balance... the complete statement is not required if the minimum requirements are captured on the partial statements provided. - Seller-03/11/2024 | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/12/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1482030 | N/A | N/A |
| XXXXXX | XXXXXX |  | XXXXXXX | XXX | Closed | 2024-03-08 07:26 | 2024-03-12 10:19 | Resolved | 1 - Information | Credit | Missing Doc | Income verification - Bank Statements Incomplete 1 (Borrower 2) | Resolved-Resolved. Bank statements meet requirements when referring to updated guidelines. - Due Diligence Vendor-03/12/2024 <br> Ready for Review-Refer to guidelines - At a minimum, the current month's bank statement showing beginning balance, Total deposits, total w/ds and ending balance... the complete statement is not required if the minimum requirements are captured on the partial statements provided. - Seller-03/11/2024 <br> Open-Guidelines require 12 months' bank statements to verify income. There are missing or incomplete statements for the Borrower 2. Loan was approved under the 12-month bank statement program. The loan file contained incomplete bank statements: XX/XX/XXXX statement - missing pages 3-6, XX/XX/XXXX statement - missing pages 3-4, XX/XX/XXXX statement - missing pages 3-4, XX/XX/XXXX statement - missing pages 2-4, XX/XX/XXXX - missing pages 2-4, XX/XX/XXXX statement - missing pages 2-4 and XX/XX/XXXX statement - missing pages 2-4. - Due Diligence Vendor-03/08/2024 | Ready for Review-Refer to guidelines - At a minimum, the current month's bank statement showing beginning balance, Total deposits, total w/ds and ending balance... the complete statement is not required if the minimum requirements are captured on the partial statements provided. - Seller-03/11/2024 | Resolved-Resolved. Bank statements meet requirements when referring to updated guidelines. - Due Diligence Vendor-03/12/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1481797 | N/A | N/A |
| XXXXXX | XXXXXX |  | XXXXXXX | XXX | Closed | 2024-03-08 07:37 | 2024-03-12 10:16 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-Resolved using updated guidelines. - Due Diligence Vendor-03/12/2024 <br> Ready for Review-Please refer to Alt Doc Guidelines RAW 10.24.2022 - Seller-03/11/2024 <br> Open-Eligible Product Types are X/X, X/X and XX/X ARM with margin of 4.50%. Subject loan is a X/X ARM with margin of 5.0%. - Due Diligence Vendor-03/08/2024 | Ready for Review-Please refer to Alt Doc Guidelines RAW 10.24.2022 - Seller-03/11/2024 | Resolved-Resolved using updated guidelines. - Due Diligence Vendor-03/12/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1481839 | N/A | N/A |
| XXXXXX | XXXXXX |  | XXXXXXX | XXX | Closed | 2024-03-11 11:50 | 2024-03-12 09:01 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-12 months cancelled checks confirming on-time payments for the previous 12 months provided. - Due Diligence Vendor-03/12/2024 <br> Ready for Review-Document Uploaded. See cancelled checks and refer to Investor Guidelines RAW 06.13.2022 - Seller-03/11/2024 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender guidelines require a verification for all open mortgages. Despite this requirement, a verification was not provided for the subject property. - Due Diligence Vendor-03/11/2024 | Ready for Review-Document Uploaded. See cancelled checks and refer to Investor Guidelines RAW 06.13.2022 - Seller-03/11/2024 | Resolved-12 months cancelled checks confirming on-time payments for the previous 12 months provided. - Due Diligence Vendor-03/12/2024<br>| XXXX |  |  | XX | Investment | Refinance | Cash Out - Other | 1486107 | N/A | N/A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 9**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **CDA Review Values** | **CDA Review Values** | **CDA Review Values** | **CDA Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2nd Field Review Values** | **2nd Field Review Values** | **2nd Field Review Values** | **2nd Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** |  | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** |  |
| **Seller Loan Number** | **Client Loan Number** | **Alt Loan ID** | **Deal #** | **OPB** | **Sale Price** | **Appraised Value** | **Appraisal Type** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Date** | **Valuation Utilized for LTV** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Date** | **Loan Guid** |
| XXXXXXXXX | XXXXXXXX | XXX | XXXX | $XXXXXX |  | $XXXXXX | 1004 Full Appraisal Report | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX |  | 0.00% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX |  |  |  |  | XXXX |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX |  | XXXXXX | XXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXXX | XXXXXXX | $XXXXXXXX | 80.0 | 80.0 | $XXXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXXX |  | XXXXXX | XXX | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXXX | XXXXXXX | $XXXXXXXX | 51.46 | 51.46 | $XXXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |

---

## Exhibit 99.9

**Exhibit 99.9**

![](ex99-9_001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by PRP-Annex VI, LLC ("Client"). The review was conducted between February 2022 and November 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 7 Non-QM loans and 5 ATR-QM exempt loans for a total of 12 loans the "Final Securitization Population".

*<u>Credit Reviews (12):</u>*

During the Review, Selene performed a credit review on 12 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (12)</u>*

During the Review, Selene performed a compliance review, when applicable on 12 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (12):</u>*

During the Review, Selene performed a property valuation review on 12 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (12):</u>*

During the Review, Selene performed a Data Integrity Review on 12 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 12 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | **Reviewed Total** | **% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;12 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;12 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;12 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;12 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. ("Fitch") (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Oaktree Funding Non-Agency Loan Eligibility Guidelines, Loanstream One Guidelines, Loanstream Core Guidelines, Kind Lending Non-Agency Program Guidelines (the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **15**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine whether
funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **15**

&nbsp;&nbsp;**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each
received data point is compared to its counterpart collected data point; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 12 mortgage loans, (ii) a Compliance Review on 12 mortgage loans (iii) a Valuation Review on 12 mortgage loans, and (iv) a Data Integrity Review on 12 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 12 mortgage loans; 12 mortgage loans had a rating grade of A, 0 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (12 overall loans):***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;8 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **15**

***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**FINAL RA GRADES - <br> COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - <br> COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

 ****

 ****

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

 ****

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Page **5** of **15**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **15**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations have
been addressed in the loan file;

Page **8** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm
that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm the materiality
and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

Page **9** of **15**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

Page **10** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator organization
 and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security
 instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **11** of **15**

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the
 general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **15**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration<br>
Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

Page **13** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;48. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;61. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;69. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI Responsible High Cost Mortgage Lending Act

Page **14** of **15**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are
not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily
licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal
reviews" for purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management company)
and therefore Selene does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

## Exhibit 99.9

**Exhibit 99.9 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxxxx |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| xxxxxxxx |  | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxxxxxxx |  | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxxxxxxx |  | XXXX | XXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxxxxxxx |  | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxxxxxxx |  | XXXX | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxxxxxxx |  | XXXX | XXXX | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxxxxxxx |  | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxxxxxxx |  | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxxxxxxx |  | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxxxxxxx |  | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxxxxxxx |  | XXXX | XXXX | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxxxxxxx |  | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXX |  |  | Closed | 2023-09-29 01:21 | 2023-10-18 14:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD received, CE elevated - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide post-consummation closing disclosure, since it is required for XXX Dry Fund States (Subject State is XX). - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-TRID: Missing Closing Disclosure Dry state means disbursement after closing is ok. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-PCCD received, CE elevated - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-TRID: Missing Closing Disclosure Dry state means disbursement after closing is ok. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 1184315 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2023-11-01 01:25 | 2023-11-07 14:52 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold<br> ($X,XXX.XX). Per diem amount was reduced on PCCD to $X,XXX.XX, resolved. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Updated data points<br> - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold<br> ($X,XXX.XX). Per diem amount was reduced on PCCD to $X,XXX.XX, resolved. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Updated data points<br> - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 1239256 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2023-11-01 01:25 | 2023-11-07 14:51 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Rescinded-The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold<br> ($X,XXX.XX). Per diem amount was reduced on PCCD to $X,XXX.XX, resolved. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Updated data points<br> - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX |  | Rescinded-The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold<br> ($X,XXX.XX). Per diem amount was reduced on PCCD to $X,XXX.XX, resolved. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Updated data points<br> - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 1239255 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2023-11-01 01:01 | 2023-11-07 13:36 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section H. Other" Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see updated PCCD - Seller-XX/XX/XXXX <br>Counter-Hi XXXXX, section H is not the correct section for broker cures. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Hi XXXXXXX, this is not a fee. It does not affect the borrower. Please look at the Payee. The broker is paying to XXXXXX. This has nothing to do with our borrower and it does not affect the bottom line. Please advise why is this even a condition. - Seller-XX/XX/XXXX <br>Open-This loan failed the TRID "Section H. Other" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker, but this fee or fees should not be retained by the lender or broker. Except for charges for optional credit insurance provided by the creditor, this fee or fees should not be retained by the lender or broker."Section H. Other" should contain an itemization of any other amounts in connection with the transaction that the consumer is likely to pay or has contracted with a person other than the creditor or loan originator to pay at closing and of which the creditor is aware at the time of issuing the Loan Estimate.Per the Official Interpretations to Regulation Z: ... - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see updated PCCD - Seller-XX/XX/XXXX <br>Ready for Review-Hi XXXXXXX, this is not a fee. It does not affect the borrower. Please look at the Payee. The broker is paying to XXXXXX. This has nothing to do with our borrower and it does not affect the bottom line. Please advise why is this even a condition. - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 1239214 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2023-11-03 05:47 | 2026-02-17 12:55 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received missing COC and compliance test is now passing, finding has been resolved and cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The PCCD has been updated to the review. However, this loan is still failing the charges that cannot increase test. The points fee iao $XXX was added to the final CD without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Please upload COC, or to cure upload refund check iao $XXX, PCCD, LOE, and POD shipping envelope. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. ... Your total tolerance violation is $XXX.XX. ... Discount point fee(X.X% $XXX as been added in Final CD pg#XXX ... - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received missing COC and compliance test is now passing, finding has been resolved and cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 1243658 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2023-11-03 03:58 | 2023-11-13 17:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The final 1003 provided is not signed or dated by the borrower. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 1243540 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2023-11-03 05:47 | 2023-11-13 17:34 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. ... - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-TRID Header Disclosure Page was entered correctly ... - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the higher-priced mortgage loan test. ... - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. ... - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-TRID Header Disclosure Page was entered correctly ... - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the higher-priced mortgage loan test. ... - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 1243653 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2023-11-03 05:47 | 2023-11-13 17:34 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s Finding (COC form). An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX-XXX and copy of the appraisal was given to the borrower – see Pg#'s XXX-XXX for the copy of the disclosure. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-TRID Header Disclosure Page was entered correctly<br> All disclosures, COC's, Fees, and dates are entered correctly<br> Rate lock date was entered correctly<br> Borrower is escrowing <br> An interior and exterior appraisal was completed for this property, <br> appraisal disclosure was provided to the borrower(s), <br> a copy of the appraisal was given to the borrower, pg XXX<br> The loan meets HPML guidelines, rescinded.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(X))<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.<br> While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML - TRID Header Disclosure Page was entered correctly<br> All disclosures, COC's, Fees, and dates are entered correctly<br> Rate lock date was entered correctly<br> Borrower is escrowing<br> An interior and exterior appraisal was completed for this property,<br> appraisal disclosure was provided to the borrower(s),<br> a copy of the appraisal was given to the borrower<br> The loan meets HPML guidelines"<br> HPML Lender Certification on pg#XXX<br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s Finding (COC form). An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX-XXX and copy of the appraisal was given to the borrower – see Pg#'s XXX-XXX for the copy of the disclosure. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-TRID Header Disclosure Page was entered correctly<br> All disclosures, COC's, Fees, and dates are entered correctly<br> Rate lock date was entered correctly<br> Borrower is escrowing <br> An interior and exterior appraisal was completed for this property, <br> appraisal disclosure was provided to the borrower(s), <br> a copy of the appraisal was given to the borrower, pg XXX<br> The loan meets HPML guidelines, rescinded.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(X))<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.<br> While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML - TRID Header Disclosure Page was entered correctly<br> All disclosures, COC's, Fees, and dates are entered correctly<br> Rate lock date was entered correctly<br> Borrower is escrowing<br> An interior and exterior appraisal was completed for this property,<br> appraisal disclosure was provided to the borrower(s),<br> a copy of the appraisal was given to the borrower<br> The loan meets HPML guidelines"<br> HPML Lender Certification on pg#XXX<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 1243659 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2023-11-13 17:23 | 2023-11-13 17:24 | Resolved | 1 - Information C A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-This loan failed the per diem interest amount test because the per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX). The per diem on the PCCD was reduced to $XXX.XX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the per diem interest amount test because the per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX). The per diem on the PCCD was reduced to $XXX.XX. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 1260059 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2023-11-13 17:23 | 2023-11-13 17:24 | Resolved | 1 - Information C A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-This loan failed the per diem interest amount test because the per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX). The per diem on the PCCD was reduced to $XXX.XX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the per diem interest amount test because the per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX). The per diem on the PCCD was reduced to $XXX.XX. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 1260060 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2023-11-03 05:59 | 2023-11-09 14:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-PCCD received and updated to review. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-TRID: Missing Closing Disclosure Provide post-consummation closing disclosure, since it is required for XXX (Subject State is CA) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-PCCD received and updated to review. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 1243673 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2023-11-03 05:58 | 2023-11-07 23:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-LOE uploaded for excluding the payments for DTI, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Required Credit LOX or Authorized check paid by other to exclude Liabilities XXXXXXX XXX - XXXX with $XX, XXXXXXX XXX - XXXX with $XX and XXXX - XXXX with $XX monthly payments from DTI calculation, since U/W is not included these Liabilities for DTI Calculation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-LOE uploaded for excluding the payments for DTI, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 1243672 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2024-10-22 00:33 | 2024-10-28 06:42 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. HOX and Master Policies - Seller-XX/XX/XXXX <br>Open-Missing HO-X Master Insurance Policy Condo master insurance policy is missing in file for subject property - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. HOX and Master Policies - Seller-XX/XX/XXXX<br>| Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 2652550 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2024-10-22 03:43 | 2024-10-28 06:38 | Resolved | 1 - Information C A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Updated Hud page - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final HUDX - dry state, done after disbursement - Seller-XX/XX/XXXX <br>Open-HUD or closing statement in pg XXX is not signed by borrowers. need executed HUD in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final HUDX - dry state, done after disbursement - Seller-XX/XX/XXXX<br>| Resolved-Updated Hud page - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 2653025 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2024-12-17 11:14 | 2024-12-19 17:50 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX with LCA score of X - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation or Additional Valuation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX with LCA score of X - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 3024680 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2025-04-08 04:07 | 2025-04-11 04:24 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-RCE document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. RCE - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Provide RCE document as hazard coverage amount is not for the full loan amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. RCE - Seller-XX/XX/XXXX<br>| Resolved-RCE document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | ID | Investment | Purchase | NA | 3803345 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2025-04-08 03:59 | 2025-04-10 04:57 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXXXXX XXX Document Provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation or Additional Valuation as it missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-XXXXXXX XXX Document Provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | ID | Investment | Purchase | NA | 3803329 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2025-04-12 05:46 | 2025-04-16 12:49 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts • The XXXXXXXXX LoanSafe Connect Alerts Summary document shows a total of X High alerts, only X of which were cleared; and X Medium alerts, only X of which was cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CO | Investment | Purchase | NA | 3848034 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2025-04-12 05:26 | 2025-04-15 11:41 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXXX UCDP/SSR received with an LCA score of X.X and is R&W eligible. System updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXX or XXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-XXXXX UCDP/SSR received with an LCA score of X.X and is R&W eligible. System updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CO | Investment | Purchase | NA | 3848007 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2025-04-15 13:04 | 2025-05-12 06:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 1 Missing | Resolved-Updated asset page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. UW Response: This is a checking account. This shows the wire of funds used at closing of this file. - Seller-XX/XX/XXXX <br>Counter-DO not see where the funds are liquid with the bank statement attached - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Statement where borrower funds came from - Seller-XX/XX/XXXX <br>Counter-The Certificate of Deposit is not liquid at any time. Per Kind GLs "Assets should be liquid or able to be liquidated without restriction by the borrower. " - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. UW Response: This is not for re-payment. The term is for when they earn a fix interest rate and the money is locked before they can take out - Seller-XX/XX/XXXX <br>Counter-Need docs to support liquid funds - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. UW Response: We have a CD for reserves, we are not required to make sure they are liquid - Seller-XX/XX/XXXX <br>Open-Based on doc in file for XXXk maturity date is in X months. Need clarification for the reserve funds - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. UW Response: This is a checking account. This shows the wire of funds used at closing of this file. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Statement where borrower funds came from - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. UW Response: This is not for re-payment. The term is for when they earn a fix interest rate and the money is locked before they can take out - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. UW Response: We have a CD for reserves, we are not required to make sure they are liquid - Seller-XX/XX/XXXX<br>| Resolved-Updated asset page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3871016 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2025-04-12 00:24 | 2025-04-16 16:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated fraud page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3847571 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2025-04-15 13:10 | 2025-04-16 06:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final HUDX stamped certified - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Need certified Hud based on docs first lien is to be paid off at closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final HUDX stamped certified - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3871102 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2025-04-11 23:57 | 2025-04-15 12:20 | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is XXX but the Qualifying FICO from the Credit Liabilities Page is XXX. <br> Following GLs - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is XXX but the Qualifying FICO from the Credit Liabilities Page is XXX. <br> Following GLs - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3847398 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2025-10-10 01:14 | 2025-11-17 06:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Hi, we have $XXX,XXX.XX in Verified Assets. Borrower brought in $XXX,XXX.XX for funds to closed and still have a Balance of $XX,XXX.XX for reserves. X months reserves is only $XX,XXX.XX - Seller-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than XXXXXXXX Required Reserves of X month(s) The matrix for a purchase less than X million in loan amount requires X moths PITIA ro ITIA, The final CD reflects the borrower needed $XXX,XXX.XX for closing., A total of verified assets of $XXX,XXX.X. The loan file did not contain any verified assets. therefore , the loan is short $X,XXX.XX in verified assets. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi, we have $XXX,XXX.XX in Verified Assets. Borrower brought in $XXX,XXX.XX for funds to closed and still have a Balance of $XX,XXX.XX for reserves. X months reserves is only $XX,XXX.XX - Seller-XX/XX/XXXX<br>| Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5848425 | N/A | N/A |
| XXXX | XXX |  |  | Closed | 2025-10-10 01:46 | 2025-10-22 03:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Updated EAD Card uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Provide the updated EAD, In file we have the EAD card on page#XXX-XXX but it is expired. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated EAD Card uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5848565 | N/A | N/A |

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## Exhibit 99.9

**Exhibit 99.9 Schedule 4**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxxx |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0049 | Desk Review |  |  |  |  | 0 |  |  |  |  | 0 | 0 |  |  | 0.0 |  |  |  | XXXX | XXXX | .0049 | XXXX | Moderate Risk | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX | Eligible | 3.3 | XXXX |
| xxxxxx |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | 0 | 0 |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | 0 | 0 |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX | Eligible | 2.2 | XXXX |
| xxxxxx |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | 0 | 0 |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX | Not Eligible | 1.7 | XXXX |
| xxxxxx |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | 0 | 0 |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX | Eligible | 5 | XXXX |
| xxxxxx |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | 0 | 0 |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| xxxxxx |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | 0 | 0 |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0 |  |  |  |  | 0 | 0 |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| xxxxxx |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0 |  |  |  |  | 0 | 0 |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| xxxxxx |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0 |  |  |  |  | 0 | 0 |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | 0 | 0 |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | 0 | 0 |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  |  | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.1 | XXXX |

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